Most U.S. hospitals and health systems let you pay a medical bill by eCheck – an ACH payment from your checking account – through their online patient portal. Large systems like Jefferson Health and Hartford HealthCare accept bank-account payments in their MyChart portals. Because there are thousands of providers, the reliable way to check is your provider’s “Pay my bill” page: if it runs on Epic MyChart or InstaMed, an eCheck option is almost always there.
How do you pay a medical bill by eCheck?
- Open your provider’s patient portal (often MyChart) or its “Pay my bill” page.
- Choose bank account or electronic check as the payment method.
- Enter your bank routing and account numbers, then submit. It clears as an ACH payment in a few business days.
Many portals let you save the account for next time or set up a payment plan billed to your bank account.
Which providers accept eCheck?
We confirmed bank-account payments at these systems:
- Jefferson Health – the MyJeffersonHealth (MyChart) portal lets you pay by credit card, debit card, or electronic check.
- Hartford HealthCare – MyChartPLUS accepts a saved bank account or card for online bill pay.
It isn’t universal: Weill Cornell Medicine, for example, lists only credit cards on its pay-your-bill page. Always check your own provider.
Can you pay without a portal account?
Usually yes. Most hospital portals offer a Guest Pay or Pay as Guest option that takes an eCheck using the account or guarantor number printed on your statement – no login required.
What if your provider only takes cards?
Some smaller offices and a few large ones accept cards only online. Call the billing office and ask whether you can pay by ACH or bank draft over the phone, or set up an interest-free payment plan from your checking account. See eCheck vs ACH for how these payments work.
Common problems
- Portal is card-only. Not every provider offers eCheck online – call billing to ask about ACH.
- Wrong account number. Guest Pay needs the exact account/guarantor number from your statement.
- Timing. ACH takes a few business days to clear. See how long an eCheck takes.
Paying related bills from your bank too? See insurance companies that accept eCheck and how banks handle eChecks.
Frequently asked questions
Can I pay a medical bill with an eCheck?
Usually yes. Most U.S. hospitals and health systems accept an eCheck (ACH from your checking account) through their online patient portal, such as MyChart or InstaMed.
Does MyChart accept eCheck?
Yes. Epic MyChart billing (used by systems like Jefferson Health and Hartford HealthCare) lets you pay with a bank account or electronic check, and often offers Guest Pay without logging in.
How do I pay a hospital bill from my bank account?
Open your provider's Pay my bill page or patient portal, choose bank account or electronic check, and enter your routing and account numbers. Use the account number from your billing statement if paying as a guest.
What if my doctor or hospital only accepts cards?
Some providers, like Weill Cornell Medicine, list cards only. Call the billing office to ask about paying by ACH or setting up a payment plan from your bank account.
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