Casino Deposit & Payment Methods

Prior to playing at a legal real-money online casino, you should be aware of what banking methods (deposits and withdrawals) are available. If the online casino you want to play at doesn’t have banking methods that suit you, well, it will be difficult to play there.

No need to worry though—we at The Game Day Casino have you covered.

Online Casinos With The Best Banking Options

Is Depositing with an Online Casino safe?

We understand the hesitation if you’re a new player, but yes, depositing is quite safe.

Online casinos are currently able to operate and are legal in New Jersey, Pennsylvania, Michigan, and West Virginia. In order for an online casino to be able to run in these states, it must meet and adhere to a plethora of regulations set forth by the state. Therefore, if you’re playing at a legal online casino, you will know that these online casinos passed the “tests” the state had for them. One of the big components of this is having software in place to protect customer data.

Types of Casino Payment Options

  • Credit, debit, and prepaid cards: MasterCard, Visa, AMEX, Discover, Play+ Cards
  • eWallets: PayPal, Neteller, Skrill, Venmo
  • Bank transfers: ACH, Online Banking, Wire Transfers
  • Cryptocurrency: Bitcoin, Ethereum
  • Check by Mail
  • Gift Cards
  • In-person: Cash Cage, PayNearMe

Casino Deposit Methods

At online casinos, there will always be more methods for depositing than withdrawing your money. Nowadays, it’s common to find so many ways to deposit that you’ll more than likely have the ability to utilize at least one of them!

In the US, the lowest minimum deposit casinos accept $5 to $10 dollars. Most casinos will require you to deposit $20 or more to get the bonus. Deposits are all done right on the online casino’s site and are processed almost instantaneously.

There are some exceptions, however. For example, if you use a wire transfer or send a check by mail, it could take an extended period of time for your money to arrive at the online casino and for the gambling platform to process the payment.

Credit or Debit Card

Perhaps the most straightforward way of depositing onto an iCasino site is with a credit card or debit card. Virtually every online gaming room you come across will allow you to do this in some capacity or another.

If you do plan to rely on your credit or debit card to fund your account, however, there are some things you should be aware of before depositing. First and foremost,
If you deposit with a credit card, your card issuer may consider this a cash advance transaction; therefore, additional costs and/or fees may apply.

Keep this in mind so you aren’t surprised with a higher credit card payment than you may have been expecting. It is always best to check with your card issuer first to avoid surprises such as these.

Additionally, some credit card issuers do not accept online gaming transactions. So it would be wise to have one or two other methods of payment as backups in case you run into a situation like this.


E-Check is a secure online deposit and withdrawal method offered by Global Payments VIP Preferred™. You can use E-Checks to transfer funds directly between your checking or savings account and your online gaming account.

You will typically need your bank’s routing number and your account number to fill out the E-check. This can be a great option if you encounter any issues while trying to deposit with a credit or debit card.


In the early days of online gambling, U.S. players had a bevy of e-wallet options to pick from. Sites such as Neteller, Skrill, and PayPal were among the e-wallets players could use to transfer money back and forth between their bank accounts and their favorite online casinos.

Due to the volatility of the United States’ gambling laws over the years, many e-wallets no longer provide their services to American players. Sites like Skrill are slowly making a return to the American iCasino market. However, PayPal is the most common and popular e-wallet that players in the U.S. can still use.

If you wish to fund your online casino gaming account with PayPal, you will need a personal, U.S.-based PayPal account in order to make a deposit. PayPal Premier accounts and PayPal business accounts are unable to be used for depositing onto iCasinos. If you are unsure what kind of PayPal account you have, you can find out in your PayPal profile.

With most sites, you can only deposit from your PayPal Balance if you have an active bank account linked to your PayPal. You cannot deposit using a credit card or debit card via PayPal. Also, most sites have a limit of only one PayPal account/email address per player.

Gift Cards

Some online casinos, such as BetMGM, offer their own gift cards. These gift cards provide a quick and easy way to get money uploaded into your account. Money deposited from gift cards appears in your account instantly.

Redeeming your gift card is simple, as sites that use them make the process very easy. Typically, all you have to do is enter the series of numbers on your gift card or voucher, and that’s it. Depositing via gift cards is a great way to fund your account if you do not want to connect your bank account to your gaming account. Gift Cards are also a great alternative if you don’t want to use a debit or credit card.


While it may not sound like the most convenient of options, PayNearMe will let you fund your account by depositing money, in person, at approved locations. Typical PayNearMe locations are local participating 7-Eleven, Family Dollar, and CVS stores located in the same state of the online casino in which you are playing.

The benefits of depositing with PayNearMe are the lack of fees, and your account is credited within 30 minutes. Most sites that offer PayNearMe have a minimum deposit amount, as well as maximum daily and monthly amounts that you can deposit.


While cryptocurrencies are all the rave right now, many online casinos do not accept them. There are some casinos that will accept more popular cryptocurrencies, such as Bitcoin and Ethereum.

This option may not be suitable for everyone, but there are some benefits to depositing in crypto. For starters, cryptocurrency deposits typically show up in your account much more quickly than more traditional means of depositing, such as e-checks or wire transfers. In addition, the fees often incurred with other deposit methods typically don’t occur when depositing with cryptocurrency.

Withdrawal Methods

It would be nice for withdrawals to also process instantaneously like deposits, but they do not.

While it sometimes requires patience, there are things to keep in mind here. First, there is always going to be an approval process that is usually around 24 hours. This helps you because the online casino is reviewing the withdrawal to ensure that the account is in good standing and that the money is actually going to the correct person.

From there, it could take 1-3 days for the payment to process on your method of choice. Of course, it can take longer for checks and wire transfers.

Popular Payment Methods For US Players

There are several payment methods available to U.S. players. From virtual wallets to credit cards and bank transfers, players have multiple options to make deposits and withdraws quickly and securely.


PayPal is one of the easiest methods to use for withdrawal. The process is as straightforward as  it is to deposit with PayPal. With most online casinos, PayPal payments usually get processed within 24 hours.  From there, you can simply log into your PayPal account and disperse the money into your bank account or a debit card on file.

Credit or Debit Card

Receiving your online casino withdrawals onto your credit or debit card is another easy way to receive your funds. This is a method of payment we always have on us. With most desktops and mobile devices, you can also save your payment information. This will make the process even faster for future deposits.

The process of cashing out with your debit or credit card may be as straightforward as withdrawing with PayPal, but expect it to take a bit longer. Typically, you will receive your funds within 3-5 business days when you withdraw with your bank card or credit card.

ACH Bank Transfer

This is something you can set up directly from the online casino. The online casino will partner with your bank and payments will be withdrawn directly from your casino account into your bank account. This is also a very common method. Unfortunately, your ability to take advantage of this withdrawal will depend upon your bank and whether or not they allow the transfer of funds with iCasinos.

Players should check with their respective banks first before attempting an ACH bank transfer to ensure funds won’t be tied up while waiting on the bank’s approval.  If your bank does allow an ACH transfer, however, you can take advantage of a very simple and expedient way to withdraw your casino funds. These kinds of withdrawals generally take between 1-3 business days.

Play+ Cards

These are cards given to you directly from the online casino. The money will be put on your card instantly after a withdrawal.  Many online casinos’ Play+ cards function a lot like a prepaid debit card. They can even be used at ATMs. Play+ cards are one of the fastest ways that players can receive their money. Many sites can process a Play+ withdrawal within 6 hours.

Casino banking options vary by state

There will sometimes be different payment methods allowed from state to state. This could be because the service is limited to certain states or that policymakers have allowed it and other states have not approved it yet.

A popular payment method that you really only see in New Jersey or Pennsylvania is PayNearMe. While it could very well be increasingly available elsewhere, it seems to be the most widespread in those two states. PayNearMe is an in-person cash transaction done at retailers such as 7-Eleven, CVS, or Family Dollar.

How to Make an Online Gambling Deposit

Go to the online casino you wish to play at and follow these steps:

  • Create an account
  • Find your account or virtual wallet. This will typically be in the upper right-hand corner of the screen, whether you’re on a desktop or mobile.
  • Open the deposit page
  • Input the amount of money you wish to deposit
  • Select your payment method
  • Input the necessary credentials
  • From here, your deposit will process almost immediately and you’ll have funds to access to play your favorite online casino games!


Richard Janvrin

Richard Janvrin

Before and after graduating from the University of New Hampshire with a degree in journalism, Richard spent time writing for Bleacher Report covering the NFL, MLB, and multiple other sports. Richard has written in the online casino/sportsbook space for nearly 3 years since his time at Bleacher Report. In his free time, Richard enjoys spending time with his son, creating content on his YouTube channel, and writing music.