Metro PCS accepts checking account payments through their website, phone line, and in-store kiosks

You can pay your Metro PCS bill using your checking account number and routing number — the same information you would use for any automatic bank transfer. Metro PCS does not require a credit card, debit card, or prepaid card. The payment goes directly from your bank to Metro PCS, and the money typically leaves your account within one to three business days.

The fastest route is the Metro PCS website or mobile app, where you can set up a one-time payment or enroll in automatic monthly payments. If you prefer to speak with someone, you can call Metro PCS customer service at 1-888-639-6676 and provide your checking account details over the phone. You can also walk into a Metro PCS store and ask an employee to process the payment at a kiosk.

Key Takeaways

  • Metro PCS accepts checking account payments through their website, app, phone line, and in-store kiosks without requiring a credit or debit card.
  • You will need your checking account number, routing number, and the amount of your bill to complete the payment.
  • One-time payments typically process within one to three business days; automatic monthly payments are set up the same way but recur on a date you choose.
  • If you set up automatic payments, Metro PCS will debit your account on the same day each month, so plan your checking account balance accordingly.

What information you need to provide

Before you start a payment, gather your checking account details. You will need your account number (the long number at the bottom left of your checks) and your routing number (the nine-digit code at the bottom left, before your account number). Both numbers appear on every check you write.

You will also need your Metro PCS account number or phone number associated with the account, and the amount you want to pay. If you are setting up automatic payments, Metro PCS will ask you to choose a day of the month when the payment should come out — typically between the 1st and the 28th.

Paying through the Metro PCS website or app

Go to the Metro PCS website (metropcs.com) or open the Metro PCS mobile app on your phone. Log into your account using your phone number and password. If you do not have an online account yet, you can create one by entering your phone number and following the prompts.

Once you are logged in, look for a "Pay My Bill" or "Make a Payment" button — the exact wording varies depending on whether you are on the website or app. Select "Checking Account" or "Bank Account" as your payment method. Enter your account number, routing number, and the amount you want to pay. Review the information for accuracy, then confirm the payment. You will receive a confirmation number on screen and by email.

If you want to set up automatic monthly payments instead of paying each month manually, select the option to "Enroll in Autopay" or "Set Up Recurring Payment" during the same process. Choose the day of the month you want the payment to come out, and Metro PCS will charge your checking account on that date every month until you cancel.

Paying by phone with a customer service representative

Call Metro PCS customer service at 1-888-639-6676. Have your checking account number, routing number, and Metro PCS account number or phone number ready. Tell the representative you want to pay your bill using your checking account.

The representative will ask you to confirm your account number and routing number. Do not give this information unless you are certain you called the official Metro PCS number — scammers sometimes impersonate customer service lines. Once the representative has your information, they will process the payment and give you a confirmation number. Write down the confirmation number and the date the payment is expected to post.

Paying in person at a Metro PCS store

Walk into any Metro PCS store location with your checking account information and your Metro PCS account number or phone number. Tell an employee you want to pay your bill using your checking account. They will direct you to a kiosk or process the payment at the register.

You will enter or provide your account number and routing number at the kiosk or to the employee. The store will print a receipt showing the confirmation number, the amount paid, and the expected posting date. Keep this receipt until the payment appears in your checking account.

How long the payment takes to post

When you pay with a checking account, the money typically leaves your bank account within one to three business days. Metro PCS usually receives and credits the payment to your account within the same timeframe. If you pay on a Friday, the money may not leave your checking account until Monday or Tuesday, depending on your bank's processing schedule.

If you set up automatic monthly payments, the debit will happen on the same day each month that you chose during setup. Plan your checking account balance so you have enough money available on that date. If your account does not have sufficient funds when the automatic payment is scheduled, your bank may charge you an overdraft fee, and Metro PCS may charge a failed payment fee.

What to do if a payment fails or does not post

If your payment fails, Metro PCS will send you a notification by text, email, or phone call. The most common reasons for failure are insufficient funds in your checking account, an incorrect account number or routing number, or a closed account. Check your checking account balance first to make sure you have enough money.

If your balance is sufficient, log back into your Metro PCS account and verify that the account number and routing number you entered are correct. If they are wrong, you can delete the failed payment and submit a new one with the correct information. If the payment still fails after you correct the information, contact Metro PCS customer service to troubleshoot. They can see on their end whether the payment reached your bank or was rejected.

Setting up and canceling automatic payments

Automatic payments are set up through the same process as a one-time payment — you choose the option to make the payment recurring and select the day of the month. Once enrolled, Metro PCS will debit your checking account on that day every month until you cancel.

To cancel automatic payments, log into your Metro PCS account online or call customer service. Go to your payment settings and select "Cancel Autopay" or "Stop Recurring Payment." Metro PCS will confirm the cancellation and will not charge your account in future months. If you cancel mid-month, the payment scheduled for that month may still process, so check your account a few days after you cancel to confirm.

Frequently Asked Questions

Can I use a savings account instead of a checking account?

Metro PCS accepts payments from both checking and savings accounts. You will need the account number and routing number from whichever account you choose. The process is identical — the routing number tells the bank which type of account to pull the money from.

What if I do not know my routing number?

Your routing number is printed on the bottom left of your checks, before your account number. If you do not have checks, call your bank and ask for your routing number, or log into your online banking and look for it in your account details. You can also search your bank's name and "routing number" online — most banks publish this information on their websites.

Is it safe to give Metro PCS my checking account number?

Providing your account number and routing number to Metro PCS for a payment is as safe as writing a check or setting up any other automatic bank transfer. Metro PCS is a major carrier and uses encrypted connections to process payments. However, only provide this information through the official Metro PCS website, app, or phone number — never through a link in a text message or email, as those are often scams.

Can I pay someone else's Metro PCS bill with my checking account?

You can pay a bill for a phone number on your Metro PCS account. If you want to pay for a different person's Metro PCS account, you will need their account number or phone number, and they may need to authorize the payment. Contact Metro PCS customer service to ask about paying for another person's account.

What happens if I set up automatic payments but my balance is too low?

If your checking account does not have enough money when the automatic payment is scheduled, your bank will likely decline the transaction and charge you an overdraft fee. Metro PCS may also charge a failed payment fee. You will receive a notification that the payment failed, and you can submit a manual payment once you have funds available.