Most big U.S. gym chains bill monthly dues by EFT - an electronic bank draft from your checking account - and several require it. We confirmed the 8 major chains below that accept bank-draft/EFT dues. Premium chains skew card-only: Life Time takes cards only, and Equinox does not document a bank option.
24 Hour Fitness
Monthly dues by preauthorized EFT (electronic funds transfer) from your bank account.
Visit 24 Hour Fitness websitePlanet Fitness
EFT bank draft from a checking account; many clubs accept checking accounts only.
Visit Planet Fitness websiteYMCA
Monthly dues by preauthorized bank draft (EFT) from checking or savings, set up with a voided check (locally operated).
Visit YMCA websiteGold's Gym
EFT bank draft from a checking account for monthly dues (billed via ABC Financial).
Visit Gold's Gym websiteAnytime Fitness
Bank draft (direct debit from your bank account) or card for monthly dues.
Visit Anytime Fitness websiteSnap Fitness
Bank debit/ACH from a checking account for recurring membership billing.
Visit Snap Fitness websiteCrunch Fitness
EFT/ACH bank draft from your designated bank account for monthly dues.
Visit Crunch Fitness websiteFrequently asked questions
Can I pay for a gym membership with an eCheck?
Yes. Most large U.S. gym chains bill monthly dues by EFT or bank draft - an electronic payment from your checking account - and several require it rather than a card.
Do gyms require a bank draft?
Many do. Chains like Planet Fitness and 24 Hour Fitness bill dues by preauthorized EFT from a checking account; some clubs accept checking accounts only for recurring dues.
Does Planet Fitness take a checking account?
Yes. Planet Fitness bills monthly dues by EFT bank draft from a checking account, and many clubs accept checking accounts only.
Can I pay gym dues with a credit card instead?
Often yes, but not always. Some chains require a bank draft for recurring dues; premium clubs like Life Time are card-only. Check the membership agreement before you join.
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