Check your bank's daily debit limit; high-end phones may exceed it, requiring a temporary limit increase from your bank.
Buying a phone directly from your checking account is a common way to avoid credit card debt or interest. You can use your account balance for a one-time purchase or set up a recurring payment plan. Ways to Buy with Your Checking Account
While rare, some physical stores still accept paper checks with a valid photo ID.
Services like Affirm or SmartPay allow you to finance a phone and make bi-weekly or monthly payments directly from your bank account.
Many mobile providers allow you to set up AutoPay linked to your checking account to pay for a phone in monthly installments.
If you'd like to find a specific or mobile carrier that supports checking account payments, I can look that up for you.
Can you make a purchase online using checking account information?
Some online retailers may require a "test deposit" (small pennies) to verify your account before you can complete the purchase.