Every major U.S. credit card issuer lets you pay your card bill by eCheck - an ACH payment from your checking account. We confirmed the 16 issuers below, from Chase and Bank of America to American Express (which accepts only bank payments, not cards). Link your bank account once, then pay online or set up AutoPay from checking. It is almost always free.
Paying other bills straight from your bank account? See what banks accept eChecks.
Chase
Pay your card bill from a linked bank account (ACH) online, by phone, or with AutoPay from checking.
Visit Chase websiteBank of America
Pay from a Bank of America or external checking/savings account by transfer or Bill Pay (ACH); AutoPay from checking.
Visit Bank of America websiteWells Fargo
Pay from a linked U.S. bank account (ACH) online, including transfers from other U.S. banks; AutoPay from checking.
Visit Wells Fargo websiteCiti
Link a bank account to pay your card bill (ACH) online; AutoPay deducts monthly from the linked account.
Visit Citi websiteCapital One
Add an external bank account to pay online, one-time or recurring AutoPay (ACH).
Visit Capital One websiteU.S. Bank
Pay from any U.S. checking or savings account by AutoPay or Bill Pay (ACH).
Visit U.S. Bank websiteAmerican Express
Pay only from a linked U.S. bank account (ACH) online or by AutoPay - Amex does not accept card or debit for card payments.
Visit American Express websiteDiscover
Pay online or with DirectPay AutoPay from a linked checking or savings account (ACH).
Visit Discover websiteBarclays US
Add a bank account, then make a single payment or automatic monthly payments (ACH).
Visit Barclays US websiteNavy Federal Credit Union
Pay your Navy Federal card from an NFCU or external bank account (ACH); external payments post in 2 to 5 days.
Visit Navy Federal Credit Union websiteUSAA
Make an EFT payment or AutoPay from a linked external checking account (ACH).
Visit USAA websiteSynchrony Bank
Pay online or Pay as Guest from a bank account (routing + account number); AutoPay available.
Visit Synchrony Bank websiteAlly
Auto Pay withdraws your payment from a designated bank account on the due date (ACH).
Visit Ally websiteComenity (Bread Financial)
Link a checking account and pay with EasyPay or AutoPay (ACH).
Visit Comenity (Bread Financial) websiteFrequently asked questions
Can you pay a credit card bill with an eCheck?
Yes. Every major U.S. issuer lets you pay your card bill from a linked bank account by ACH (eCheck), online or with AutoPay from checking.
Does American Express accept eCheck?
Yes, and only bank payments - Amex takes an ACH payment from your linked U.S. bank account and does not accept a credit or debit card to pay your card bill.
Do credit card companies charge a fee for eCheck payments?
No. Paying your card bill from a bank account by ACH is free at every major issuer; fees usually appear only for expedited or agent-assisted payments.
Is paying by bank account the same as an eCheck?
Effectively yes. An eCheck is an electronic payment pulled from your checking account over the ACH network, which is what happens when you pay a card bill from a linked bank account.
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