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Can I Buy A Gift Card With My Checking Account

Selling A Gift Card Back To The Store

How to transfer gift cards money to your bank account – Money Maker off gift cards!

It’s safe to buy retailer gift cards directly from retailers, but what about selling them back? Most retailers will accept a return on a gift card if you have the receipt and the gift card hasn’t been used. Not many will accept a used gift card, however. In some cases, state law may allow you to redeem gift cards with small amounts left on them for cash, according to the National Conference of State Legislatures.

In California, you can generally redeem a gift card with the retailer for cash if it has $10 or less left. If there is $5 or less left on your gift card, you can generally redeem it for cash value in Colorado, Maine, Massachusetts, Montana, New Jersey, Oregon, Puerto Rico and Washington. And if there is $1 or less left, you can generally redeem it for cash in Rhode Island and Vermont.

Where Can The Users Buy Gift Cards With Paypal Account

The users can easily buy gift cards with their PayPal account through online mode. There are many online retailers that offer payment options through the PayPal account since it offers highly personalized features like absolute fraud prevention, dispute resolution, purchase protection, and many others. To use a PayPal account, the user needs to sign up on the official PayPal homepage.

The first step would be to select the type of required account. .Then the user will be asked to link the PayPal account with the Checking account. Now the user will be headed towards the wallet option where he can link the bank account along with their debit card and credit card.

Top 10 Ways To Shop Online And Pay With A Checking Account

When online shopping, you dont always have to use your debit or credit card. With some online stores, you can also use your checking account information. Paying with your checking account is a simple process that will allow you more versatility when shopping online. Below, we discuss 10 ways that you can shop online and pay with a checking account. We also talk about the risks of using your checking account information, as well as how to use electronic checks as another alternative.

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Visa Gift Cards Are Sold In Some Banks

Another place to buy Visa gift cards is from your bank. Not all banks sell them, but those that do typically sell cards to existing customers at a competitive ratearound $4 for any load value.

The primary benefit of buying gift cards from a bank is that you may be granted additional security features such as the same protection that comes with the banks credit or debit cards. The downside is that you typically have to be an account holder with the bank in order to buy a gift card. Check your bank to see if you can buy gift cards and what additional benefits are given to existing customers.

Send a gift in seconds with a Visa eGift card or a Top Merchant eGift card.

What Type Of Gift Card Should I Buy

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Know what the person youre buying for likes already? Why not treat them to a gift card for their favorite store or restaurant? Know they love to eat out but not sure what their go-to restaurant is? Get a gift card that lets them spend their credit at a range of different restaurants.

If you want to give them the freedom to choose where they spend their gift, you might want to think about a Visa or Mastercard gift card instead. They can use these wherever these brands of credit cards are accepted. Our blog is packed with gift inspiration if youre looking for suggestions.

Whether you prefer to pick up your gift cards with your groceries or order them online to be sent directly to someone special, its never been easier to buy a gift card.

Also Check: How To Use Vanilla Gift Card At Gas Station

S To Buying Gift Cards With Paypal

  • Go to PayPals Digital Gifts page.
  • Next, browse through hundreds of popular gift cards and make your choice and selection it.
  • After that, choose the value.
  • Indicate whatever the gift card is for you and someone else.
  • Finally, Log in to your PayPal account or access your credit card or debit card information.
  • If you select the Gift option , you will be prompted to enter the recipients name, email address, title, and message. Note that all gift cards are delivered v electronically, whether you purchase one for yourself or as a gift.

    How To Check The Balance On Your Gift Card

    You can start using the balance on the gift card as soon as you purchase it. Moreover, you dont have to spend it all at once. The remaining balance does not expire and you can use it later as well.

    Note! It is important to keep a check on how much balance you have the gift card after a purchase so you know what more things you can buy using the same card.

    You can check the balance by logging in to your card account and clicking on the tab that shows pending amount on your gift card.

    Most shopping sites offer cards that do not expire. Some even offer reloadable prepaid cards that you can refund once when your balance is running out.

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    Should You Purchase Gift Cards With A Credit Card

    Theres nothing wrong with paying for gift cards with a credit card, but you should know there are some major pros and cons in doing so.

    Advantages include the potential for rewards on your spending, although how much youll earn depends on the cash back credit card or rewards credit card you have. Its also common to find ways to buy gift cards at a discount so you can save money on a large purchase. For example, many people buy Disney gift cards at Target with the Target Redcard in order to secure 5 percent off. That may not sound like a big deal, but saving 5 percent off a Disney vacation that costs thousands can be worth the extra trouble.

    As a side note, buying gift cards from small businesses can also be a helpful move if you want them to survive the economic impact of COVID-19. By buying gift cards now, you can send businesses some much-needed cash and wait to redeem your gift card for goods or services at a later date.

    What Does Usd Mean When Shopping Online

    How to transfer your gift card balance to paypal

    If you’re shopping on an international site, you might see “USD” next to some prices to clarify that the prices are in U.S. dollars. If you’re an American and you see USD, then the purchase will be just like any other you’re used to making. If you see another symbol or abbreviation next to the price, then you may have to do a quick conversion to learn the price in USD.

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    Get The Latest Iphone

    Wouldnt it be nice to own the latest iPhone? Yes, you can purchase one with your checking account. The iPhone 8 Plus is the latest and the brightest iPhone model with a 5.5-inch LCD widescreen with multi-touch display and retina HD display. This model has a 12 MP wide-angle, telephoto camera with a six-element lens capable of 4K video recording. Take this as a lovely present you can gift yourself.

    Best Shopping Sites Where You Can Buy Gift Cards Online With Checking Account

    Lets take a look at some of the best shopping websites that let you buy gift cards online with checking account and even purchase stuff on discounted rates using them!

    1. Macys E-Gift Card

    Macys is a perfect spot to start when looking for a gift for your best friend or a close family member.

    You can find latest footwear here, stylish clothing line, furniture sets, decoration pieces, and much more.

    $10 to $1,000 gift cards are available on the store that you can purchase right away as well. Macys accepts PayPal payments which means you can use your account to transfer money from the bank checking account easily.

    Moreover, the purchase process is quite straightforward. You can buy the gift card online through their website and have it delivered to the recipients door step.

    The store makes sure that the delivery is complete within 24 hours of order placement.

    Why Should You Choose Macys E-Gift Card

    • The store offers the most update footwear, dresses, and the best furniture sets
    • It is compatible with PayPal so you can use checking account to complete the purchase
    • Gift Cards at Macys can be personalized as per your own preference

    2. Amazon Gift Card

    You can never go wrong with Amazon! It has all the products you need and on top of that, it frequently introduces discount deals to keep customers hooked.

    You can purchase and send the gift card as text or printed card.

    There is no need to link your PayPal account to checking account when clearing the bill here.

    3. Walmart.com

    Also Check: How Do Visa Gift Cards Work

    Ways To Pay And Buy Gift Cards Online With Checking Account

    Checking accounts are very useful as they let you transfer money quickly from one account to another.

    If you have not yet discovered how checking accounts work then here is a quick overview of how you can use them to make online payments.

    1. Link Your PayPal Account and Checking Account

    The most convenient method to make online payments is to link checking account with your PayPal account and pay for the stuff.

    In order to this, you have to open your PayPal account and select your bank as one of the payment options.

    • Log in to your PayPal account
    • Move to payments options and enter your checking account number
    • Provide some other options that will let PayPal verify your account

    The verification may take more than 5 days so be patient! As soon as your account is activated, you can proceed with making online purchases via PayPal.

    This method can also be used to buy gift cards online with checking account.

    2. Use eChecks To Pay Online

    Another method to pay via checking account is to use an eCheck. You would need to activate this feature by first visiting your bank.

    Additionally, not all stores accept eCheck payments so make sure you go through their options before the purchase.

    When you are using eCheck you might have to provide the account number and routing number to complete the money transfer.

    Buying A Gift Card With Cardcash

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    Operated by its founders since 2009, CardCash has been unscathed by the blights plaguing the BlackHawk Network. CardCash is best when you’re buying for yourself and want to score extra savings: You can buy partially used or unused gift cards for amounts over $10. The interface is intuitive and tells you the percentage you’ll save on each discounted gift card. For example, I saved 1.8% of the value of a $25 Home Depot e-gift card by paying $24.55 for the $25 value. Just note that once you add a product to your cart, you have 20 minutes to check out or your selection may not be reserved.

    CardCash offers a 45-day money-back guarantee on all purchases if something goes wrong with the gift card value. You also have the option of paying with BitPay. When I finalized the purchase, I was notified it would take up to 24 hours to receive my gift card in my inbox, but I received it almost immediately. The gift card itself came in the form of an email attachment.

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    Can You Earn Credit Card Rewards Doing So

    One major benefit of using a credit card to pay for gift cards is the fact you can earn rewards on your purchase. If you plan to give someone a $50 gift card for their birthday, for example, you could buy a gift card with plastic and earn points or cash back on that purchase, whereas you wouldnt earn anything if you gave them a $50 bill instead.

    Just make sure you pick the right type of rewards credit card for your gift card purchases. Some rewards credit cards only let you earn cash back, while others offer flexible rewards or points you can use in a specific airline or hotel program.

    Choose From A Wide Variety Of Jewelry Pieces

    Jewelry is an investment. Buying priceless pieces using your checking account is, therefore, a great idea. You can invest in genuine gold watches, matching jewelry pieces with priceless gemstones or maybe buy your loved one that ring you have been thinking of?

    If you want antique jewelry then there are priceless jewelry sellers and auction houses you can check out online to get the best deals.

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    Why You Can Trust Bankrate

    At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here’s an explanation for how we make money. The content on this page is accurate as of the posting date however, some of the offers mentioned may have expired.

    How To Get Gift Card Online

    How to Pay on Amazon Using a Gift Card

    Buying a gift card online is simple, secure and fast no waiting in line and no having to mail a card in time for a special occasion. You can buy a card online and get it delivered to the recipient in a matter of minutes. The Kroger Family of Stores offer more than 200 types of gift cards, from big name brands, Happy cards you can use in different stores and even Visa and Mastercard gift cards that can be used anywhere these providers are accepted. As Kroger sells cards for so many places, you can buy multiple online gift cards at the same time with no need to shop around. Browse our full range of gift cards online.

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    Get Ready For Smart Home Devices

    The future is really something to look forward to with interesting smart home appliances and devices. With smart home devices, you can use one remote control to control almost every appliance or device at home thats connected to the web.

    From your homes entertainment system to your security system and from its interior climate system to your refrigerator, you can keep tabs on everything. This way, everything is safe and efficient too. You can purchase cool smart home devices online or from a local supplier at any time.

    What Is An E

    e-Check is a very interesting and easy method used by the potential users who wish to carry out an online purchase, most likely of a Gift Card. The user can avail of the facility of e-Check through their respective Bank Branches. All you need to do is to choose that particular store that accepts online methods of payment. They will surely offer e-Check and EFT payment options.

    To use the e-Check for paying, the user needs to give out details like the Checking Account Number, the Bank Account Number, and the Routing Number. This process might seem to be a typical one, but it is very useful and can be easily adopted by any users of Gift Cards and those who often carry out online payments.

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    How Do Gift Cards Work

    You can use a gift card at a store just like you can use a debit or credit card. You only need to swipe over the POS machine or use it with the traditional credit card terminals, and you are good to go. You will deduct the amount you spend from your overall balance to pay for purchasing a good or service.

    Gift cards are specifically for buying goods and services, and it can be challenging to use them to transfer money, unlike debit and prepaid cards that you can transfer money from one card to another. Once the card balance is over, the card becomes useless, and you can destroy it.

    Some gift cards are reloadable, and you can use them over and over again. Generally, the process below is helpful when redeeming a gift card. Have a look.

    • You present the gift card for payment of goods or services.
    • Merchant chooses a program on a terminal or POS system.
    • Next, the merchant inputs the clerk ID and swipes the gift card through the terminal.
    • After that, the merchant keys in the amount to redeem your card.
    • The terminal processes the transaction and subtracts the amount from the cardâs balance.
    • With the help of a printer, the cashier prints you a receipt to show the customer the balance.
    • The cashier hands the card back to the customer, and the transaction is complete.

    Target Redcard: Best For Gift Card Discounts

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    The Target Redcard is available exclusively for purchases made at Target, which means it is rather limited. However, this card doesnt have an annual fee, and youll get perks like 5 percent off everything you buy at Target and Target.com, free shipping on most items and exclusive offers and savings.

    Why this card is ideal for gift cards: The Target Redcard also lets you save 5 percent off specialty gift cards for travel, restaurants, subscription services and more.

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    Use Your Checking Account

    Though it may be less common, some online retailers let you use your checking account and routing information to make purchases. Check the payment options for the retailer to confirm that you can use your checking information.

    Checking account purchases are often made through EFT, or electronic funds transfer. EFTs digitally move money from one account to another. They are regulated by the Electronic Fund Transfer Act , which is designed to protect consumers.

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