When starting out at an online casino, you have a wide array of deposit methods to get funds into your account. At times it can get a bit confusing, and since you want to use your money as soon as possible after depositing, it’s important that you use a payment option that suits you and adds the funds to your bankroll smoothly.
In this guide, we will go through the most popular payment methods for online casino players in the US and list the pros and cons. We will also rank the online casinos with the best payment options for both deposits and withdrawals.
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Almost everybody has a credit or debit card issued by a US bank, and it is often used in your everyday life. This makes it a perfect deposit method in terms of convenience, as you don’t have to go anywhere or set up any new payment service accounts.
The funds are available immediately after your deposit, which is the most important feature of any depositing method. Casinos almost always accept cards like Visa and Mastercard, but some casinos also accept American Express or Discover.
There are however some drawbacks to using your credit or debit card. If your card is issued by Bank of America, Capital One, JP Morgan Chase, Wells Fargo, TD Bank, Santander Bank, or Huntington Bank, these banks do not allow online gambling transactions and the card option is not available.
Additionally, some banks consider an online casino deposit to be a cash advance and will charge you a fee for using the card for withdrawing cash from your account.
Another aspect to have in mind is that your billing address often has to match your registered address at the online casino and that some casinos might need a photocopy of your card in order to pay out withdrawals.
If this is something that you are not comfortable with, it might be better to choose another form of payment. Lastly, it is important to know that you cannot withdraw money from your account to a credit or debit card.
ACH – VIP Preferred
Automated Clearing House, or ACH, is a great online option for casino deposits. The system works like a normal bank transfer but the funds are credited to your account instantly, which makes it possible for you to play right away after making your deposit.
Services like VIP Preferred let you register an account by validating your bank’s routing number, your account number, and a state-issued ID. When your account is set up, you can deposit and withdraw funds to and from your online casino bankroll.
The service sets up deposit limits for you individually, so the limit might vary. A deposit is available immediately, while a withdrawal shows up in your checking account after 2-5 business days.
ACH is considered one of the smoothest ways of handling your online casino funds and is widely used and recommended by all online casino operators.
|Validation Requirement:||Bank details & Photo ID|
|Withdrawal Time:||2-5 days|
Online Banking Transfer
Online Banking Transfers are a simple way to add funds directly from your online bank to your casino account and is quite similar to using credit/debit cards, just without the physical card. In order to use Online Banking Transfers, you need to hold an account at a bank that has agreed to process bank transfers to the online casino in the state you want to deposit to.
For 888 Casino in New Jersey, for example, these banks are Bank of America, BB&T, Chase, HSBC Bank USA, ING Direct, PNC, Regions, SunTrust, TD Bank, U.S. Bank, Capital One 360, Wells Fargo, and New York Community Bank. Some casinos impose deposit limits when using online banking transfers, which will be stated when you make your deposit.
However, just like with credit/debit cards, you cannot withdraw your money without validating your identity and choosing a form of payment that might take some time to process.
If you want to withdraw your money with the equivalent of online bank transfers, you can wire the money back after providing documents that prove your identity and address. A wire transfer withdrawal usually takes 5-7 business days to process.
PayPal is one of our favorite deposit methods since it incorporates such a well-established online payment service into the casino industry. Many people have a PayPal account set up, either connected to your credit/debit card or a bank account, and are used to the platform.
All you need is your PayPal account information and you can deposit money quickly to your casino account. The funds will be added instantly to your online casino bankroll and be ready for use.
It is possible to withdraw money with PayPal, but there is often a requirement that the funds have to be added with PayPal in order to withdraw them the same way. However, money that has been won in the casino can be withdrawn freely to PayPal, which makes it a great option for withdrawing your money. Check out our guide to PayPal casinos in the US.
The big setback for PayPal as a deposit option is that they take a fee of 2.9% + $0.30 for all of your deposits. This might not be a very big fee, but if you are a high roller with a big bankroll, it might add up in the end.
|Validation Requirement:||PayPal Account|
|Withdrawal Time:||3-4 days|
|Fee:||2.9% + $0.30 on deposits|
A very innovative solution to depositing money to your online casino account is a service called PayNearMe. The solution is connected to over 28,000 7-Eleven stores all over the country and lets you deposit cash in the store which credits your online casino account.
To use PayNearMe, you enter your online casino account and choose the PayNearMe option for depositing. You then get a barcode which you print or bring digitally to your 7-Eleven store. After scanning your barcode you can then deposit your cash amount right there and then.
There are no fees involved with PayNearMe and the money is available relatively quickly in your account, which makes this deposit method fairly simple to use.
There is no way of withdrawing money with PayNearMe, and there is a deposit limit of $500 per transaction. Also, you cannot use credit or debit cards, so you are strictly bound to cash. However, overall this is a very good deposit method if you have cash at hand.
|Deposit Time:||30 minutes|
|Validation Requirement:||Unique casino account barcode|
Prepaid Play+ Card
If getting your money in and out of your account quickly is important to you, Play+ might be the ultimate solution. Play+ lets you create a checking account together with a casino, and gives you a physical Play+ card connected to that account.
This means that you can have a Golden Nugget or SugarHouse Casino debit card in your wallet, and easily transfer money to it, or use it like a normal debit card wherever they accept cards.
The signup process is simple, you just enter the online casino that has a Play+ account that you want to start, and often you’ll receive a bonus for starting the account. There are no credit checks and once you have validated your identification you are good to go.
The best thing about Play+ accounts is that this is by far the easiest way to withdraw money, with quicker payout approvals and instant access to the funds when withdrawing. There are no fees associated with the card, and it will be mailed to your address free of charge.
|Validation Requirement:||Photo ID|
Skrill is one of the first big depositing solutions to be used with online casinos and is around still. It is a great deposit method for players but is unfortunately not used by many casinos in the US.
The ease of doing withdrawals is the main advantage of Skrill, but as there are heavy regulations in place to counteract money laundering, many casinos refrain from offering Skrill as a deposit and withdrawal option.
If you play at a casino that offers Skrill, the use is very simple. Create an account at Skrill and get a checking account that you can add money. Then you can choose Skrill as a depositing method in the online casino and your funds will be added instantly. If you want to withdraw funds, you can do so easily.
There is a fee connected to your deposits that is individual to every online casino, but it is usually around 2%, which is a drawback.
An advantage of Skrill accounts is that you can get a Skrill debit card, which makes it possible to use your withdrawals quickly wherever they accept debit cards. Withdrawals are processed within 3-4 days.
|Validation Requirement:||Skrill Account|
|Withdrawal Time:||3-4 days|
|Fee:||2% on deposits|
Neteller is another old-timer in the deposit method game. Just like Skrill, you get a virtual bank account with a card connected to it where you can add funds to your online casino account. The same counteracts against money laundering make casinos aversive to Neteller as well, which makes the number of casinos that offer it limited.
If you have a Neteller account and play at a casino that offers Neteller as a deposit method, you can deposit funds instantly and withdraw within 3-4 days. There is a fee that is individual to every business entity, but then it is usually around 2.5%.
|Validation Requirement:||Neteller account|
|Withdrawal Time:||3-4 days|
|Fee:||2.5% on deposits|
Cash at the Casino Cage
A big advantage of US online casinos is that they are all connected to a physical casino in the states. This means that one way of depositing or withdrawing money is to simply visit the casino and make your transaction there.
This is, apart from traveling to and from the casino, often one of the simplest ways of transferring funds to and from your online casino account.
When you enter the casino to which your online account is connected, you simply bring your account information and a valid photo ID and walk up to the casino cage. The clerk can then help you deposit money instantly with either cash or a card.
If you want to withdraw money, you can choose the option online and then wait until the withdrawal has been approved, at which point you can collect the money immediately at the casino cage.
|Validation Requirement:||Account Information & Photo ID|