Also, Roku is free to use. There are subscriptions you can pay through Roku, but there are also many that are paid directly through the provider, so what is it that you'd like to pay by checking account?
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Just to add to what @renojim stated, there are no activation fees for your Roku device, but you are prompted to implement a payment method if you'd like to activate a new subscription. Feel free to send us a PM if you have any questions!