You can purchase a smartphone directly with your checking account by using your at select major retailers or through lease-to-own programs that deduct payments from your bank. 🛒 Where to Buy with Checking Details

: Allows adding a personal U.S. checking account as a payment method during checkout.

If you prefer to pay in installments rather than upfront, several carriers offer programs that require your bank information but often skip traditional credit checks.

: Offers a "Pay by Bank" program that ties your bank account information to your Walmart profile.

: A lease-to-own option for phones over $199.99. You'll need to provide bank information, a valid ID, and your SSN.

: You can add a bank account as a payment option in your Microsoft account settings. 📱 Financing & Lease-to-Own Options

: A financing plan where you make the first payment with a debit card and subsequent payments are drawn from your account.