Using Amazon Pay With A Checking Account: A Complete Guide

Shopping online with Amazon is incredibly convenient. With just a few clicks, you can purchase almost anything you need and have it delivered in two days or less. But when it comes time to check out, you have a decision to make – pay with a credit card, or link your checking account for purchases?

Using Amazon Pay with a checking account has some advantages over using a credit card that make it an appealing choice for many shoppers.

If you’re short on time, here’s a quick answer: Linking a checking account to Amazon Pay allows you to pay directly from your bank account balance instead of racking up credit card debt. It’s easy to set up, gives you additional purchase protection, and can help you better monitor spending.

What is Amazon Pay and How Does it Work?

Amazon Pay is a secure online payment service offered by Amazon that allows users to make purchases on external websites using their Amazon payment information. With Amazon Pay, users can conveniently and securely complete transactions without having to enter their payment details repeatedly.

It offers a seamless and hassle-free payment experience, making online shopping more convenient for customers.

Amazon Pay overview

Amazon Pay works by linking your Amazon account to your checking account or credit card. When you make a purchase using Amazon Pay, you can choose to use your checking account as the payment method. This option allows you to pay for your purchases directly from your bank account, eliminating the need to manually enter your payment information each time.

It also provides an extra layer of security as your payment details are stored securely within the Amazon Pay system.

Linking a checking account

Linking your checking account to Amazon Pay is a simple process. You can do this by accessing your Amazon account settings and adding your checking account details. Once linked, you can easily select your checking account as the payment method when making a purchase.

It’s important to note that you should only link a checking account that you trust and regularly monitor for any unauthorized transactions.

Making purchases

Using Amazon Pay with a checking account is straightforward. When you are ready to make a purchase on a website that accepts Amazon Pay, simply select the Amazon Pay option during the checkout process.

You will be redirected to the Amazon Pay login page, where you can sign in using your Amazon account credentials. After logging in, you can choose your checking account as the payment method and complete the transaction.

It’s essential to ensure that you have sufficient funds in your checking account to avoid any payment issues.

Amazon Pay offers a convenient and secure way to make purchases online using your checking account. It simplifies the payment process and provides an added layer of security. By linking your checking account to Amazon Pay, you can enjoy a seamless online shopping experience on external websites that accept this payment method.

Benefits of Using Amazon Pay with a Checking Account

Avoids credit card fees and interest

One of the major benefits of using Amazon Pay with a checking account is that it allows you to avoid credit card fees and interest charges. When you make a purchase using a credit card, you may be subject to high interest rates and additional fees.

However, when you link your checking account to Amazon Pay, the funds are directly deducted from your account without incurring any extra charges. This can save you a significant amount of money in the long run.

Easy to monitor spending

Using Amazon Pay with a checking account makes it easy to monitor your spending. With traditional credit card purchases, it’s easy to lose track of your expenses and end up with a hefty bill at the end of the month.

However, when you use your checking account, you have a clear overview of your transactions, allowing you to keep better track of your budget. This can help you make more informed financial decisions and avoid overspending.

Purchase protection

Amazon Pay offers purchase protection, ensuring that your transactions are safe and secure. When you make a purchase using your checking account, Amazon provides a layer of protection against fraud and unauthorized transactions.

If there are any issues with your purchase, you can contact Amazon’s customer service for assistance. This added security can give you peace of mind when shopping online.

Speed and convenience

Using Amazon Pay with a checking account offers speed and convenience. When you have your checking account linked to Amazon Pay, you can complete your purchases with just a few clicks. There’s no need to enter your credit card information or wait for authorization.

This streamlined process makes shopping on Amazon quick and hassle-free. Additionally, with the integration of Amazon Pay on various websites, you can use your checking account to make purchases on other platforms, further enhancing the convenience factor.

Potential Drawbacks to Consider

Overdraft fees

One potential drawback of using Amazon Pay with a checking account is the possibility of incurring overdraft fees. If your checking account does not have sufficient funds to cover a purchase made through Amazon Pay, you may be subject to fees imposed by your bank.

These fees can add up quickly, potentially negating any savings or convenience you may have gained by using Amazon Pay.

Less generous rewards

Compared to using a credit card for your Amazon purchases, using Amazon Pay with a checking account may offer less generous rewards. Many credit cards offer cashback or rewards points for every dollar spent, providing additional benefits to the consumer.

However, when using a checking account, you may not have access to these rewards programs, potentially missing out on valuable incentives.

Fraud liability

Another factor to consider when using Amazon Pay with a checking account is the potential for fraud liability. While Amazon Pay does offer security measures to protect your information, such as encryption and multi-factor authentication, there is always a risk of unauthorized transactions or identity theft.

If fraudulent activity occurs on your checking account linked to Amazon Pay, you may have to go through a lengthy process to resolve the issue and potentially face financial losses.

It is important to weigh the potential drawbacks against the benefits and convenience of using Amazon Pay with a checking account. If you are someone who tends to overspend or frequently carries a balance close to zero in your checking account, the risk of overdraft fees may outweigh the advantages.

On the other hand, if you prioritize simplicity and do not mind forgoing credit card rewards, using Amazon Pay with a checking account can be a convenient and secure payment method.

Tips for Using Amazon Pay Safely

When using Amazon Pay with your checking account, it’s important to take certain precautions to ensure the safety and security of your transactions. Here are some tips to help you use Amazon Pay safely:

Use strong, unique passwords

One of the first steps to protect your Amazon Pay account is to create a strong and unique password. Avoid using common passwords or easily guessable information such as your name or birthdate. Instead, use a combination of uppercase and lowercase letters, numbers, and special characters.

It’s also a good practice to regularly update your passwords to further enhance security.

Enable two-factor authentication

Two-factor authentication adds an extra layer of security to your Amazon Pay account. By enabling this feature, you will be required to provide a verification code in addition to your password when logging in.

This code is usually sent to your mobile device via SMS or generated by an authenticator app. Two-factor authentication helps prevent unauthorized access even if someone manages to obtain your password.

Monitor your account activity

Regularly monitoring your Amazon Pay account activity is essential to detect any suspicious transactions or unauthorized access. Keep an eye on your transaction history and review any unfamiliar charges or activity.

If you notice anything unusual, contact Amazon Pay customer support immediately to report the issue and take necessary action.

Update your payment and security settings

Periodically reviewing and updating your payment and security settings is crucial for maintaining the security of your Amazon Pay account. Ensure that your payment methods are up to date and accurate. Consider removing any outdated or unused payment options to minimize the risk of unauthorized transactions.

Additionally, take advantage of any security features offered by Amazon Pay, such as account alerts or notifications for unusual activity.

Remember, taking these precautions can greatly enhance the security of your Amazon Pay transactions and protect your personal and financial information. By following these tips, you can confidently use Amazon Pay with your checking account while maintaining peace of mind.


Using Amazon Pay with a linked checking account provides an easy and convenient way to make purchases online. By avoiding credit card fees and interest charges, monitoring your spending closely, and utilizing purchase protection, you can simplify paying for Amazon orders.

Just be sure to take precautions like using strong passwords and enabling two-factor authentication to keep your account secure. With a bit of care, Amazon Pay with a checking account can be a great option for managing your money.

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