The banking sector has improved a lot in recent years. When you are a car owner and bank account holder at a time. You can mix up those and get instant feedback. It’s a great feeling knowing when your car runs out of petrol. You can pay for gas with checking account. A bank credit card is no longer required. Nowadays, Gas Stations are highly reliable and accept checking accounts as a payment method. So, you have a great facility, if you have no credit card or forget to bring it with you. Let’s see how to pay for gas with checking account.
What is a Checking Account?
A checking account is a deposit account that allows for deposits and withdrawals. A transactional or demand account is another name for it. Checking accounts are accessible using an ATM, Debit card, by writing checks, or through online transfer. Checking accounts and savings accounts differ from each other. One is for short-term finance and another is to hold money for a long time. If you frequently make withdrawals or transactions from a bank account, a Checking account is a great choice for you.
How to Open a Checking Account in a Few Steps?
Most banks and credit unions will assist you with opening a checking account, either online or in person at a physical location. The basic requirement is that your age must be over 18 and US legal resident. Here’s a step-by-step guide to opening a checking account.
1. Collect necessary information
- Govt. issued ID cards (National ID, Driving License, Passport, etc.)
- Social Security Number (SSN)
- Address proof (Utility Bill, Lease Report)
- Contact information (Name, Email Address, Home Address, Phone Number)
- Date of Birth
2. Make initial deposit
If your bank requires a minimum deposit requirement to open a checking account, you should accept the rule. Typically, this amount is $25. But, some high-standard banks require more than that and also some banks have no problem with minimum deposits. On these banks, you are free to open an account easily.
3. Fill out application
Online or offline, you should fill out an application to start the account creation process. Most banks will check your bank credit history and then approve or disapprove your account application.
4. Sign Paperwork
To activate your current bank account, you need to sign the paperwork. For online application, you should sign in electronically. Some banks will mail you this paperwork to collect your signature.
5. Use your account
Your bank account has been created. You may now access your account. Set up an online account, install a mobile app, and start transferring money. You can also apply for a debit card and checks if necessary, will mail your address within 5 business days. Additionally, you can add a bill pay option, make a direct deposit, and link other bank accounts if needed.
Why Should You Pay Gas Bills With a Checking Account?
The old days of punching credit cards into gas stations are slowly disappearing. While a bank credit card is still an option, many Gas stations also support their own card with your bank checking account. This card is safer than using a bank credit card or writing a check. Remember, most banks don’t support personal checks. In my research, most Gas Stations have their own credit card facility that can be directly connected with your checking account.
It also acts as a debit card. You’ll be able to sign in directly to your bank’s website to connect this card. And after a certain gallon of gas, you can pay for gas with checking account. Because you already connected this account with a Gas Station credit card. Though the process sounds tricky, it saves a lot of time and reduces hassle once you connect successfully. In this case, if you have an existing bank debit/credit card. It is unnecessary for gas filling. Because you have a Gas Station debit card which is more helpful and savior.
For next time, Gas Stations staff can easily charge for gas once you punch the Gas Station debit card. Most Gas Stations offer different types of opportunities if you link checking accounts. For example, Shell S Pay invites you to Save 10¢ per gallon after linking your checking account through Shell S Pay in the Shell app. There are also more exciting features, offers, and opportunities that come to you in the near future.
How to Link a Bank Checking Account with a Gas Station Debit Card?
Linking checking accounts with Gas Station cards is different based on several banks. I am sharing here the Circle K linking process. If you wish, please do research their website and get connected.
- Go to Settings
- Select Card and Banks
- Input your bank name.
- Then find and select the bank.
- Prompt notification will arrive. Use proper credentials associated with bank account login.
- Then connect the account with Circle K
- Once Circle K recognizes your account, you can start using it with Circle K.
Note: If you don’t see your bank on the list. Maybe they don’t accept it. Not all banks in use are included with the Circle K system. In that case, you should have no option rather than using a bank credit card.
Is It Safe to Pay Gas Bills With a Checking Account?
You may have probably heard “Gas pumps are not safe to use checking accounts or debit cards”. It is not 100% true. With the advancement of technology, people are getting smarter than before. They use an electronic secure payment system. Gas pumps use one-time authentication with a checking account, it doesn’t store any sensitive information regarding your account.
However, if you doubt in your mind, do research online, or gather actual knowledge from a Bank representative. Ask them, can you use a checking account at the gas pump? If they warn you not to use this sensitive information, take a step back and don’t go for Gas Station payment. As far as I know, pay for gas with checking account is safe. It is authorized by a maximum renowned bank. So, nothing is fishing here.
How to Pay for Gas with a Bank Checking Account?
After claiming a checking account from the bank, you have full right to use it anywhere. No matter, whether you pay for a certain gallon of gas or pay for food with checking account. Before expenses, make sure your account has a sufficient balance otherwise you can’t pay for anything. Let’s see how to pay for gas at the gas pump.
Note: Since you already connected your checking account with a Gas Station debit card, you can use this card as a typical debit card.
- Go to near Gas Pump
- The pump will give you step-by-step instruction
- See the instruction, on how to insert your credit or debit card
- Insert the card
- Enter PIN or Enter 5 Digit ZIP Code
- Once the card has been approved, you are ready to pump gas
- Select which type of gas you need (Supreme, Plus, Regular)
- Then remove the nozzle from the pump and insert it in your car tank
- Pull the trigger on the nozzle to release the flow of gas
- And hold it till it’s filled fully
- You will see on the screen, what gallons of gas are inserted into your car tank
- When the tank is fully loaded, carefully remove the nozzle from the tank and place it back in to pump
- Each type of Gas has a separate price
- Once you punch the card, you will be charged automatically
List of Gas Stations That Accept Pay for Gas With Checking Account
There are numerous gas stations available in the USA. I will include the list which accepts a checking account to pay for gas.
- Shell USA
- Circle K
- People Gas Delivery
- Peoples Gas
- Socal Gas
- We Energies
- Columbia Gas Ohio
- SW Gas
- CHP Gas
- Domino Energy
- Nicor Gas
- Washington Gas
- Enbridge Gas
- Xcel Energy
- Oklahoma Natural Gas
- South Jersey Gas
- Atmos Energy
- Ohio Gas
- INT Gas
If you don’t want to use a bank credit card. You can use a Gas Station card. This card can be connected to your account and you can easily pay for gas with checking account. We have outlined a complete Gas Pump list that accepts a checking account. Visit the Gas pump official website to know more.
Frequently Asked Question (FAQ)
Do Gas stations cash personal checks?
No, personal checks are a hassle. It takes time. Gas stations prefer credit cards, debit cards, and mobile apps for payment.
Can I pay for gas without my card?
Yes, if you have an Android Device. You can use Google Pay to make payments for gas. It is available for all android devices with a pre-installed NFC chip.
Can I get gas with no money on my debit card?
Getting gas with no money is not a tricky job. Here, no money means no instant cash. You can use a debit card, credit card, or mobile payment app to complete payment for gas.
Where can I pay with a checking account?
Socal Gas, 76, We Energies, Columbia Gas Ohio, SW Gas, and CHP Gas are well-known gas stations that accept checking accounts as gas payments.
With over 3 years of financial experience, Hannah Edwards is the senior writer for All Finance Deals. She recommends research-based financial information about Transfer Money, Gift Cards and Banking. Hannah also completed graduation in Accounting from Harvard University.