[HOW TO] Walmart Pay With Checking Account

Walmart Pay with checking account is a convenient payment option for customers looking to make purchases without using a credit card. Using a checking account offers several benefits that credit cards cannot match, such as avoiding interest fees and simplifying the payment process.

Benefits of using a checking account to pay at Walmart

  • Avoidance of interest fees and debt
  • No need for a credit card
  • Potential for discounts and rewards

How to Use a Checking Account to Pay at Walmart

Setting up Walmart Pay with a checking account is simple and can be done in a few steps. Follow the instructions below to get started:

Setting up Walmart Pay

  • Download the Walmart app
  • Create an account or sign in to an existing account
  • Select Walmart Pay from the menu

Linking a checking account to Walmart Pay

  • Select “Add Payment Method”
  • Select “Add a Checking Account”
  • Enter the routing and account numbers for the checking account
  • Verify the account by following the instructions provided

Using Walmart Pay to make purchases

  • Open the Walmart app and select Walmart Pay
  • Scan the QR code displayed at the register or enter the unique code provided by the cashier
  • Authorize the payment using your phone’s passcode or fingerprint
  • Complete the transaction by following the on-screen instructions

Advantages of Paying with a Checking Account at Walmart

There are several advantages to using a checking account to pay at Walmart:

No need for a credit card

Using a checking account eliminates the need for a credit card, which can be particularly beneficial for those who do not have a credit card or prefer not to use one.

Avoidance of interest fees and debt

Using a checking account to pay at Walmart allows customers to avoid interest fees and debt that can accrue with credit cards. This is particularly advantageous for those who are looking to stay within a budget or pay off existing debts.

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Simplification of payment process

Using a checking account to pay at Walmart simplifies the payment process, as there is no need to carry multiple cards or enter billing information every time a purchase is made. All payment information is stored securely within the Walmart app.

Potential for discounts and rewards

Walmart may offer discounts or rewards for using Walmart Pay, including cashback offers and other incentives. These rewards can add up over time and provide additional savings for customers.

Limitations of Paying with a Checking Account at Walmart

While using a checking account to pay at Walmart has many advantages, there are also some limitations to be aware of:

Risk of overdraft fees

Using a checking account to pay at Walmart carries the risk of overdraft fees if the account does not have sufficient funds to cover the transaction. It is important to monitor account balances and ensure that there are adequate funds available before making a purchase.

Security concerns

There is a risk of fraud or unauthorized access to checking account information when using Walmart Pay. Customersshould ensure that they have set up a secure PIN or password to access their Walmart Pay account. It is also important to monitor account activity regularly to detect any unauthorized transactions. If any suspicious activity is detected, customers should immediately contact their bank or financial institution to report it.

Walmart takes security seriously and has implemented measures to protect customer information, such as encrypting data and requiring authentication for all transactions. However, customers should still exercise caution when using Walmart Pay and take steps to protect their personal and financial information.

Incompatibility with Some Checking Accounts

While Walmart Pay accepts most checking accounts, there may be some accounts that are incompatible. Customers should check with their bank or financial institution to ensure that their account can be linked to Walmart Pay. In some cases, customers may need to switch to a different checking account or payment method to make purchases at Walmart.

Tips for Using Checking Account to Pay at Walmart

Monitoring Account Balance

Customers should monitor their checking account balance regularly to ensure that they have sufficient funds to cover their purchases. Overdraft fees can be expensive, so it is important to avoid spending more than the available balance in the account.

Ensuring Secure Transactions

Customers should make sure to only use Walmart Pay on secure networks and devices, and avoid using public Wi-Fi or shared devices. It is also important to keep the Walmart Pay app up to date to ensure that it is using the latest security features and updates.

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Understanding Walmart’s Policies and Fees

Customers should read and understand Walmart’s policies and fees regarding Walmart Pay, including any applicable fees for linking a checking account and making transactions. Understanding these policies and fees can help customers avoid unexpected charges and make the most of the benefits of using Walmart Pay with a checking account.

FAQ Walmart Pay With Checking Account

Is Walmart app free?

Yes, the Walmart app is free to download and use.

What is Walmart app used for?

The Walmart app is used to shop for products, view prices, check product availability, and place orders for pickup or delivery.

How do I install Walmart shopping app?

To install the Walmart shopping app, go to the App Store or Google Play on your mobile device, search for “Walmart,” select the app, and click “Install.”

Is there a Walmart app to check prices?

Yes, the Walmart app allows users to check prices of products both in-store and online.

Is Walmart a shopping app?

Yes, Walmart offers a shopping app that allows users to purchase products directly through the app.

Is there a Walmart inventory app?

Walmart offers an inventory management app for businesses called “My Productivity.” However, this app is not intended for individual consumer use.

What is the new Walmartone app?

The Walmartone app has been discontinued and replaced by the Walmart OneWire app, which is designed for Walmart associates to access their work schedules, pay stubs, and other employment-related information.

How do I pick up items on Walmart app?

To pick up items ordered through the Walmart app, go to the designated pickup location at your selected Walmart store and follow the pickup instructions provided in the app.

What is app inventory?

App inventory refers to the stock of products available for purchase through a mobile app, such as the Walmart app.


Using a checking account to pay at Walmart can offer many benefits, including avoiding interest fees, simplifying the payment process, and potentially earning discounts and rewards. However, customers should also be aware of the limitations and risks associated with this payment method, such as overdraft fees and security concerns. By following the tips and best practices outlined above, customers can use Walmart Pay with a checking account safely and efficiently.