The regulated online casino and sportsbook market in the United States has many advantages over offshore black market sites, but none more important than banking. Legal sportsbooks and casinos offer a wide variety of familiar and safe options for getting money on and off of a site. Those methods include both digital online transactions along with in-person cash payments.
On this page, we’ll break down all banking methods used by licensed online casinos, poker, and sportsbooks in the US online gambling market, and give you a sense as to which are the fastest for your needs.
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Online Gambling Deposit Methods
After registering a new account at any of the legal and regulated online casinos, sportsbooks or poker rooms, the next step is to make a deposit. With so many options out there, from $1 deposit casinos to high roll casinos, we have compiled a list of our top suggestions to make this process as quick and easy as possible.
Before making this first deposit, make sure you aren’t leaving money on the table. Online casinos and sportsbooks typically offer valuable welcome bonuses as a marketing tool to get you through the door. These sign up bonuses are a one time deal, and some require promo codes or an opt-in to claim, such as with the bet365 casino bonus.
We have compiled the top bonus offers for casino and online sportsbooks for you, including many exclusives. Through our partnerships with some of the biggest names in online gambling we’ve established many offers that are simply better, and more valuable than the publicly available bonuses. In our individual site reviews we also walk you through how to claim these bonuses for each individual online sportsbook or casino.
PayPal
PayPal is the most popular eWallet in the world and is our top pick for all of your online casino and sportsbook banking needs. PayPal allows you to instantly and securely make deposits from several funding options. These include:
- Bank transfers: Link your bank account to your PayPal account via the account and routing number.
- Debit/Credit Card: Link your Visa, MasterCard or American Express card for instant deposits. It is important to note that you can’t use your PayPal credit card for funding online gambling accounts.
- Person to person transfers: Know someone else with PayPal? They can send you money.
- PayPal balance: Use your available PayPal balance to fund your online gambling accounts.
PayPal is a top choice for all your deposits and withdrawals, but there are a few restrictions. First, you must be using a personal account. This means no business or premier accounts when funding or withdrawing from your iGaming accounts.
Second, the email address used for your PayPal account must match the email address that you used when creating your online sportsbook or casino account. This may be an issue for some, but can be rectified by changing your PayPal email.
Lastly, in order to withdraw to your PayPal account, you must first make a deposit using the popular eWallet. This is true for most banking options as online sportsbooks and casinos will default withdrawals to the same method used on deposit.
Instant eCheck (ACH)
Instant eChecks, or ACH, is a great method of funding your account that links your checking account via your banks routing number and account number. This is achieved through a secure third party processor. The preferred processor for the majority of online casinos and sportsbooks is VIP Preferred, though there are others out there.
There are several advantages to using Instant eChecks such as:
- Instant deposits: Once you set up your VIP Preferred account, the information will be saved for your convenience. The deposits will instantly be loaded into your account, but it may take 2-3 days for the deposit to be reflected on your bank account statement depending on your bank’s policy.
- Convenience: Once your VIP preferred account is active, the information will carry over to all the online gambling sites that utilize this banking method. There’s no need to enter all your banking information on each site.
- Secure: VIP Preferred uses several layers of encryption to keep your banking information safe.
VIP preferred does have limits on how much you can deposit, but the more you use the service, the higher your limit will go. Limits usually reset on a weekly basis. For example, if you have a $2,000 limit, and make a $1,000 deposit on Tuesday, a $500 deposit on Wednesday, and a $300 deposit on Thursday, you will have $200 left to use until the following Tuesday. That following Tuesday you will get $1,000 added back into your limit, another $500 the following day, and so on.
Online Bank Transfers
Online Bank Transfers utilize your online banking billpay feature to make safe, instant deposits to your online gambling accounts. You must first enable the online banking billpay feature within your sports or casino account before using this as a deposit method, and your bank must have a billpay feature as well. Fortunately, most banks are eligible including, but not limited to:
- Bank of America
- Chase
- Capital One 360
- HSBC
- PNC
- Santander
- TD Bank
- Wells Fargo
- Citi
These are just a few examples of participating banks, and the list does include many smaller local Credit Unions as well. Check the individual sites for a complete list.
Play+ Prepaid Cards
Prepaid cards are a great option for depositing to all your favorite online gambling sites, and Play+ makes it even easier. Instead of waiting in line at CVS and paying crazy fees to load up, you can sign up for a Play+ card direct from the cashier of most online gambling websites. Once you are instantly approved, you will be able to load funds either directly from your bank account, or via a credit or debit card.
Play+ cards are branded for each site, so you will need to sign up for a different card for each online sportsbook or casino that you play on. Account balances and deposit/withdrawal options can be easily accessed on their intuitive website.
Once you sign up for a Play+ card, you will also receive a physical card in the mail within two weeks. You have several options for pulling money off the card like withdrawing at any ATM, or using the Play+ card anywhere that Discover is accepted. It is important to note that there is a $2 per transaction fee applied to withdrawals.
Credit/Debit Cards
One of the simplest methods for depositing into your online gambling account is using your Visa, MasterCard, Discover, or American Express card directly. Use your card same as you would on any online shopping website. Be sure that there is enough credit left in your account, or enough cash in your bank account when using a debit card.
Occasionally there may be some fees applied as some banks still haven’t updated their systems, but generally they are few and far between. Since Credit/Debit cards can only be used for deposits, you will need to find another way of getting your winnings off the site.
Cash at the Casino Cage
If you find yourself at the brick-and-mortar casino affiliated with your chosen online brand, you can always bring cash and your photo ID to deposit in-person. Payments can be made using a few options at the cage, including casino chips, cash, personal checks or credit/debit cards, but these options are also dependent on state regulations and the individual casino rules.
This is a convenient option for those that live near, or often visit retail casinos. There are a few downsides to depositing at the cage. These include being excluded from certain promotions, and there can sometimes be a delay before the funds hit your gaming account. Withdrawals are available immediately after being approved and will be paid out in cash or casino chips only.
PayNearMe
For customers that don’t want to link their bank account or use their debit/credit card, there is another cash option that can be utilized. Choose PayNearMe and select the amount you want to deposit. You will be given a barcode that you can bring to participating stores such as 7-11, CVS, Family Dollar and more. Take the barcode to the cashier, they will scan it at the register, and take your cash right here. Funds are available for use online in just a couple of minutes.
Similar to Cash at the Casino Cage, there are a few drawbacks including having to leave your house and also being excluded from most promotional offerings. PayNearMe can only be used for deposits – it doesn’t work in reverse.
Bank Wires
While bank wires are not the most popular method, it is a great option for depositing and withdrawing large sums of money in and out of your account. It is also a great option for customers that do not like revealing their private banking info to third party processors as a bank wire connects directly with the site.
There are fees that apply when using wires which will depend on your bank. They aren’t the fastest option, either.
Paper Checks
It’s not the most popular choice, but mailing a paper check to the online casino or sportsbook is still an option with certain sites. It can take up to two weeks to be added to your account, factoring in processing and post. Paper checks can be personal checks, money orders, cashiers checks, and bankers drafts. Depositing with paper checks can also exclude you from some promotional offerings. This is not the method we recommend, but it remains an option for patient bettors.
Skrill
Skrill is similar to PayPal, but not as widely known. Skrill allows you to deposit and withdraw to an online eWallet, but the biggest difference is that your funds can easily convert to several international currencies. This is a popular option for people visiting the US that would like to play online casino games or place some sports bets.
Withdrawal Options
Although we talked through most of the withdrawal options in the deposit section, there are a few things to note when it comes to getting money off of a site.
- Most withdrawal options are only available if you have made a successful deposit using that same method.
- Withdrawals need to be approved by the site before being sent to your preferred cashout option.
- Timing will depend on the individual site, but will typically be approved in 2-5 days (usually on the lower side of that range).
Common withdrawal options include:
- eCheck (ACH)
- PayPal
- Cash at the Casino Cage
- Prepaid Card
- Skrill
- Check by mail
The fastest methods for withdrawals are PayPal, Play+ prepaid cards, and cash at the casino cage. Once your withdrawal is approved, the funds will be available immediately. PayPal is our top recommendation as there are no fees that apply and it can be done from the comfort of your own home. Cash at the casino cage is the quickest way to get the money in your hands, but you have to visit the affiliated casino. Once you receive the physical card in the mail, Play+ also makes it easy to get paid. It can be used to withdraw at any ATM. We also strongly recommend looking into what are the fastest payout online casinos to double check what methods do they offer. It is vital that the preferred withdrawal method is offered at the online casino of choice.
