Help Center

How does Pay by Bank work?

Pay by Bank uses a secure login powered by Fiserv to connect your bank account without storing any of your personal bank information. Once connected, you can select Pay by Bank at checkout and earn 500 MARTIN'S Choice Rewards® points on your first purchase** and 2x points on every other purchase*.

Select your bank, log in using your bank information, and choose which account you’d like to use for payment. You won’t need to enter any bank account or routing numbers — all bank information will be securely handled by our payment partner, Fiserv.

How does Fiserv make this process more secure?

Fiserv is a trusted, regulated Fortune 500 financial technology provider with decades of experience in secure payment processing. The benefits include:

Bank-level Security

All transactions are protected using the same encryption and security protocols that banks use, ensuring your data is safeguarded at every step.

No Credentials Stored

Your banking credentials are never stored by us or shared with merchants, ensuring complete confidentiality.

Tokenized Bank Account Information & End-to-End Encryption

Instead of sharing your actual account and routing numbers, secure tokens are generated for transactions, adding an extra layer of protection. All data transmitted is fully encrypted, protecting it from unauthorized access.

Real-Time Bank Authentication

Payments require real-time authentication with your bank, ensuring you are in control of every transaction.

How will my data be used?

With Pay by Bank, your data is tokenized and encrypted at every step of the process. Fiserv works with your bank in real time to authenticate payments, ensuring each transaction remains private and secure.

Fiserv only uses the information you provide to enroll and process your payments securely. Fiserv does not have access to your bank account login information.

How do I report fraudulent purchases?

If you believe a purchase has been made in error or without your permission, please call Fiserv’s TeleCheck Services, Inc. at (800) 398-9089 as soon as possible. You should also notify your bank as soon as possible.

Can I remove my bank account?

Yes, you can remove your bank account at any time by visiting your account settings on our website or mobile app.

*Excludes purchases of beer, wine and gift cards. Must be a member of MARTIN'S CHOICE Rewards®. Offer not valid for offline loyalty members. Bonus point earned from the offer is in addition to standard base earn of one point for every $1 spent on eligible items. This promotion may be modified or discontinued at any time without notice. Not valid where prohibited by law. Offer valid through 12/31/2026. Points expire on the last day of the month following that in which they were earned.

**Requires Pay by Bank payment selection at checkout and must be a MARTIN'S CHOICE Rewards® member. 500 CHOICE points will be deposited into account after first Pay by Bank purchase with MARTIN'S. Offer valid through 12/31/2026. Points expire on the last day of the month following that in which they were earned.