How to Buy Bitcoin with eCheck

This is a complete guide that shows you how to instantly buy Bitcoin with eCheck. Read this article to learn how you can buy BTC with the routing account.

Fact Checked

eCheck is a popular way to make payments online without paying much fees.

An eCheck (i.e. electronic check) is an online version of a normal cheque. It operates just as similarly as normal cheque for cashing out money.

An eCheck transfer uses the routing account number of your bank account to make a payment, or deposit and which require a day or two to process the transaction.

eChecks are more efficient and less wasteful than normal cheques, and are often used to make purchases on the Internet, as it’s also a popular payment method for buying and selling Bitcoin instantly.

In this guide, I will cover one of the best ways you can buy Bitcoin directly using eCheck with your routing account.

How Can I Buy Bitcoin With eCheck?

If you want to buy Bitcoin with eCheck bank routing and account number, then you have to find a reputable exchange, or marketplace that will let you do it safely.

If you buy and trade Bitcoin in high volumes with eCheck, my recommendation is to use LocalBitcoins, then transfer the BTC to Binance for trading needs. If you register on Binance using that link, you will earn extra.

How To Buy Bitcoin With eCheck On LocalBitcoins Summary

  1. Create new account on LocalBitcoins
  2. Verify your account
  3. Enter desired amount you want to buy
  4. Search for trusted sellers
  5. Pay using eCheck routing account
  6. BTC will be added to your Bitcoin wallet.

Congratulations! You have successfully purchased Bitcoin on LocalBitcoins P2P platform with eCheck routing account as the payment method.

Best ways to buy Bitcoin with eCheck

Let us take a look at different ways on my recommended platforms you can use to buy Bitcoin with eCheck routing account number easily and securedly.

1. LocalBitcoins


LocalBitcoins is a person-to-person Bitcoin trading platform, founded in 2012 by Nicholas Kangas and Jeremias Kangas, and have the headquarter in Helsinki, Finland.

This platform specializes in connecting buyers and sellers, as it gives vendors the ability to create offers in all currencies, while serving as an escrow.

For more information about LBC, you can checkout the LocalBitcoins review.


  • Available in every country of the world
  • A diverse selection of buyers and sellers
  • Supports many payment methods
  • Buyers get their bitcoins fast
  • Private


  • Lack of cryptocurrency diversity
  • Both sellers and buyers have a chance of being scammed.

Buy BTC from LocalBitcoins

2. xCoins


xCoins is a P2P (Peer-to-Peer) lending platform founded in 2016 by Sergey Nikitin. This is a platform on which buyers can borrow, or buy Bitcoins from sellers and/or lenders.

xCoins accepts loan security deposits and purchases in USD.


  • Simple to get started
  • A fast way to acquire BTC
  • Great for making extra money on the side


  • High fees are incurred
  • There is a low transaction limit for new users

Buy Bitcoin from xCoins

3. Paxful

Paxful Exchange

Paxful is a person-to-person exchange marketplace founded in 2015 by Ray Youssef and Artur Schaback. It supports over 300 payment methods.

Just like LocalBitcoins, it gives vendors the ability to create offers in all currencies.


  • Escrow system
  • Security
  • Diverse payment methods
  • Simple user interface (UI)
  • Wide variety of sellers


  • Buyers and sellers are at risk of being scammed


CEX.IO is a multifunctional cryptocurrency exchange that is trusted by millions of customers worldwide and allows users to buy bitcoin with a credit card or debit card seamlessly.

This cryptocurrency trading platform was founded by Oleksandr Lutskevych, Dmytro Kalynovskyi, Victoria Polyakova and Peter Ivanov.

CEX.IO boasts multiple payment options (SWIFT, SEPA, ACH, Faster Payments), 24/7 customer support, and proven platform stability.

It accepts deposits in USD, EUR, GBP, and RUB.


  • Established and trustworthy
  • Supported worldwide
  • Low transaction fees
  • Simple credit card purchases
  • Clean user interface


  • Verification procedure requires private information
  • Lengthy verification time


Let me answer some of the frequently asked questions online concerning how to buy Bitcoin with eCheck accounts.

What is an eCheck?

An eCheck is an electronic version of a paper check that has its own processing time and has less waste than a traditional check and can be used for online payments.

An eCheck payment consists of a routing and account number that is used to process payment through the ACH system.

In order to process an eCheck, money is electronically transferred from sender’s checking account and deposited into the recipient’s checking account, while passing through the ACH network.

Watch the video below to see how eCheck account works…

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On a final note

Now you know that buying Bitcoin with eCheck is possible, but still very rare to see a seller that offers such a payment method.

However, thank God for LocalBitcoins and xCoins as you can use it and trade fast, safe, and secure with their P2P (peer-to-peer) Bitcoin marketplaces.

Do not forget to transfer your Bitcoin to a secured crypto wallet, as I am not a fan of leaving cryptocurrency investments on exchanges where they’re bought.

If you have money to invest in securing your investment, I’ll suggest you purchase a hardware wallet (e.g. Ledger Nano X/S), as they’re among most secure wallets in the market.

About The 'Staunch

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About The 'Staunch

I am a financial nerd with a Bachelor’s Degree in Accounting and Finance, but found digital currency and asset investment to be more lucrative. The Crypto Staunch website is established to help individuals learn how digital currency and assets work through in-depth articles. Go-to the about page to learn more.