Can I link my bank account and routing number to Apple Pay?

Hi MasonSmelser,

Welcome to the Apple Community, where some of us do our best to help each other.

Sorry I'm no expert ... Apple Support has articles online that may help you with info / answers:

You might like to browse, from some off the links below :)

How to use Apple Pay:

https://support.apple.com/en-us/HT201239

Send and receive money with Apple Pay:

https://support.apple.com/en-us/HT207875

Manage your Apple Pay account:

https://support.apple.com/en-us/HT209228

Manage the cards that you use with Apple Pay

https://support.apple.com/en-us/HT205583

Apple Pay Support webpage:

https://support.apple.com/apple-pay

Hope this helps you :)