Signing up for a gym membership should be simple—yet many people are caught off guard when Planet Fitness requires a checking account to join. While this might seem unusual in an age where credit and debit cards are widely accepted, there are clear reasons behind this policy.
In this article, we’ll explore why Planet Fitness prefers checking account payments, how this method helps keep membership costs low, what alternatives you can consider, and how to protect your banking information. Whether you’re already a member or just thinking about joining, understanding this billing requirement is essential.
🏋️♂️ What Is Planet Fitness Known For?
Planet Fitness is one of the most accessible and affordable fitness clubs in North America, with over 2,000 locations and millions of members. It’s best known for:
- Affordable memberships ($10–$25/month)
- Judgment Free Zone® atmosphere
- 24/7 access in many locations
- Free fitness training and group sessions
- Black Card® perks including guest passes and spa access
With its low monthly rates, Planet Fitness appeals to people of all fitness levels. But this business model depends on streamlined, cost-effective operations, and that includes how they manage member payments.
💡 Why Does Planet Fitness Require a Checking Account?
There are multiple reasons Planet Fitness relies on checking accounts (ACH payments) for monthly billing instead of credit or debit cards. Here’s a closer look:
1. Minimizing Transaction Costs
Credit card companies charge businesses processing fees on every transaction—usually 1.5% to 3.5%. With such low monthly dues, these fees could significantly cut into profits.
By using electronic funds transfers (EFT) directly from checking accounts, Planet Fitness avoids those fees. These savings help them keep your monthly rate as low as $10.
2. Ensuring Payment Continuity
Credit and debit cards can:
- Expire
- Get declined
- Be lost or stolen
Checking accounts rarely have these issues. This makes checking account payments more reliable for recurring billing, reducing the risk of missed payments and delinquent accounts.
3. Enforcing Membership Agreements
Planet Fitness memberships often come with 12-month contracts. Canceling a checking account isn’t as easy or quick as canceling a credit card. By requiring banking info, Planet Fitness can minimize unauthorized cancellations, which stabilizes membership numbers and revenue.
4. Fewer Declined Transactions
ACH withdrawals from a checking account have a higher success rate than card-based transactions. For Planet Fitness, this means fewer failed transactions, less administrative follow-up, and a more efficient billing process.
🧾 Why Credit or Debit Cards Aren’t the Default
While some clubs may accept a credit card for the initial sign-up fee, most require a checking account for ongoing billing. This has become standard across many budget-friendly fitness chains that operate on slim margins.
Bonus Tip: If you’re signing up during a promotion, make sure you clarify what fees are waived and what billing information is still needed.
💬 Is It Safe to Share My Checking Account Info?
Yes. Planet Fitness uses secure systems to handle banking information and complies with industry standards for data protection. Your routing and account numbers are encrypted and stored securely.
To protect yourself:
- Always sign up in person or through the official Planet Fitness website
- Never share banking info via email, phone, or third-party apps
- Review your bank statements for accuracy
🤷 What If I Don’t Have a Checking Account?
If you don’t have a traditional checking account, here are some alternatives:
✅ 1. Use a Prepaid Bank Card (With Routing & Account Numbers)
Certain prepaid debit cards (like Bluebird by American Express or Netspend) offer ACH support with routing and account numbers. These can often be used in place of a traditional checking account.
✅ 2. Open a Free Online Bank Account
Digital banks like:
- Chime
- Ally
- Capital One 360
- SoFi offer no-fee checking accounts that you can open entirely online.
These are great options for people who want control over their banking info and still want to join Planet Fitness.
📄 What’s the Planet Fitness Cancellation Policy?
If you’re thinking about canceling your membership, here’s what you should know:
- Most cancellations must be done in person at your home club.
- There may be a cancellation fee if you’re under a 12-month contract.
- If you’re on a no-commitment plan, you typically need to cancel by the 10th of the month to avoid charges on the 17th.
💡 Always read the fine print when you join and ask questions about cancellation, freezes, and upgrade options.
📍 Can You Pay for Planet Fitness Without a Checking Account?
In rare cases, franchise-owned locations may allow alternative payment methods—especially if you’re purchasing a Black Card membership or a day pass. However, this is not the norm, and you’ll need to check with the local club directly.
You can also:
- Use a prepaid card with routing/account numbers
- Pay in full for a short-term plan (some locations offer this)
FAQs: Planet Fitness Billing & Checking Account Requirements
Q1. Can I use a debit or credit card at Planet Fitness?
Only for initial payments in some locations. Monthly dues usually require a checking account.
Q2. Is it safe to give them my banking information?
Yes. Planet Fitness uses secure payment processing systems that meet banking and privacy standards.
Q3. Why not accept cards like other gyms?
To avoid high credit card processing fees and ensure consistent payments from members.
Q4. What if I cancel my checking account?
You must notify Planet Fitness and provide a new valid account or risk contract penalties.
Q5. Can I pay with a prepaid debit card?
Some prepaid cards support ACH transactions and may work—verify this with your local club.
Q6. How can I cancel my Planet Fitness membership?
Typically, you must visit your home gym in person and fill out a cancellation form.
Final Thoughts: It’s All About Simplicity & Savings
While it might seem inconvenient, Planet Fitness’s policy of requiring a checking account helps keep things simple, affordable, and reliable. This approach allows them to offer some of the lowest-priced gym memberships in the country, with consistent billing and fewer complications. If you’re hesitant to share your main bank account, consider a digital banking solution or prepaid card that meets their criteria. And always speak to your local gym if you have concerns or need alternative options.