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Pay Directly from Your Checking AccountIf you have an ACH-enabled U.S. checking account, you can pay online for goods and services purchased on Amazon.com without having to mail in a physical check. You'll see a "Checking Account" option on the payment page when ordering through the Shopping Cart. Click the links below to read more about paying directly from your checking account. Getting started:
Making purchases:
What information do I need to provide?In order to use "Checking Account" as a payment option, you will be asked to supply:
Routing numbers are always 9 digits long. Account numbers may be up to 17 digits long. Some banks list the routing number first on the check, while other banks list the account number first. Below are examples of both types of checks:
We do not need a check number; Amazon.com will debit your checking account electronically and the bank does not require a check number for such transactions. What is ACH?The ACH (Automated Clearing house) network is an efficient, nationwide electronic funds transfer system that's widely used for online bill payment. Is it safe to enter my checking account information online?Yes, you can safely enter your information via our secure server, which encrypts all submitted information. To provide you with an additional layer of security, all account information provided to Amazon.com is stored on a computer that is not connected to the Internet. This computer is not accessible by network or modem, and the information is not stored anywhere else.Can I provide my checking account details over the phone?We're sorry, this option is not currently available. Can I use any bank account? Can I use a company account, or an account at a U.S. branch of a foreign bank?You can use any checking account provided your account is a personal account located at a branch in the U.S. Although the principal account holder's billing address does not need to be in the U.S., the account holder must have a current U.S. driver's license or state-issued ID. The account must be "ACH-enabled," meaning that the account can be debited electronically. Before submitting your checking account number to us, please contact your bank to confirm that your account is ACH-enabled.. We do not accept savings, corporate, or business bank accounts. Can I use my Amazon Associate or Marketplace seller bank account to pay directly from my bank account?Amazon Associates need to re-enter their checking account information to pay for orders directly from their bank account. Active Marketplace sellers can set "Pay directly from your checking account" as a payment option without having to re-enter their account information. Can I use 1-Click ordering and pay from my checking account?Yes, for non-digital purchases. Although it's not currently possible to designate a checking account as your default payment method for 1-Click orders, once you've clicked the "Buy Now with 1-Click" button you can click "Review and edit your 1-Click order" and change the payment method to a checking account. Note: this option appears only for items sold by Amazon.com. For items shipped by other sellers, you'll need to go into the order summary in Your Account and make the change there within 30 minutes after placing the order. When is my account debited?Your checking account will be debited only after we send you a shipment. If an order cannot be completely fulfilled in a single shipment, your account will be debited only for the items that are shipped--so a single order may result in multiple transactions, but the order total will be the same as you originally saw when placing the order. For more information, please read our Terms and Conditions. What can I do if my payment is not authorized?In the event that we have difficulty authorizing your checking account for payment before the order has shipped, Amazon.com will send you an e-mail with instructions for correcting the problem. If you did not receive or no longer have this e-mail, here's what you can do:
What happens if the transaction fails after my order has shipped?If there are insufficient funds on your account, the account number was entered incorrectly, or the transaction fails for any other reason, your transaction will be sent to TRS Recovery Services for collection. TRS may telephone you regarding the transaction. You can contact TRS Recovery Services toll-free at 1-888-263-4935, Monday through Thursday, between the hours of 7:00am to 7:00pm CT, Friday between the hours of 7:00am to 4:00pm CT, or Saturday between the hours of 8:00am to 4:00pm CT. TRS Recovery Services will assess a state authorized returned check fee of $20.00 on any transaction dishonored by your bank. What happens if I return an item or cancel an order?Whenever you return an item, we issue a refund to the payment method used for the order--if you used your checking account to pay for the order, the refund would be credited to your checking account. Read more about refunds. You can cancel an open order as long as no shipments have been processed. If you cancel an order, your account will not be debited at all. Learn how to cancel an order. Can I use a credit card or gift card in combination with paying directly from my checking account?No, payment cannot be split between a checking account and a gift card or credit card. Can I pay cash for my order?If you prefer to pay cash for your purchases, buy Amazon.com Gift Card claim codes with cash from authorized resellers at a store near you. Learn more.Why isn't the option to pay with my checking account available?Certain purchases can't be made using a checking account:
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