Online Casino US Banking Methods

Having easy and speedy banking options is essential for all online casino players. You want to be able to deposit and withdraw money with confidence, knowing that your personal and financial information is protected at all times.

Best Online Casinos with Easy Deposits and Withdrawals

On this page, we explore a range of the best banking methods available at online casinos in the US, so you can find the right option for you and start playing.

What Are the Best Online Casino Payment Methods?

Payment MethodReal Money Casinos Sweepstakes CasinosEasy Deposits & Withdrawals?
Debit Cards (Visa, Mastercard)BetMGM, FanDuel, TipicoWow Vegas, High 5 Casino, McLuck Casino5/5
Credit Cards (Amex, Discover Card)Caesars, DraftKings, Wheel of Fortune CasinoPulsz, High 5 Casino5/5
E-Wallets (PayPal, Venmo, Apple Pay, Skrill)BetMGM, Borgata, Bally’sCasino4Fun, High 5 Casino5/5
Bank Transfers (ACH, eCheck, Trustly)Caesars, Tipico, Sports Illustrated CasinoWow Vegas, Pulsz, Fortune Coins3/5
Cryptocurrency (Bitcoin, Ethereum)-Stake.us3/5
Gift Cards/Prepaid Cards (Play+)DraftKings, FanDuel, Mohegan Sun-2/5
In-Person (Cash at Cage, PayNearMe)Mohegan Sun, Caesars, Virgin Casino-1/5

It’s crucial to have access to reliable and secure payment methods when playing at an online casino. Luckily, top US online casinos today support several options that offer speed, convenience, and security.

Some of the best traditional payment options include bank cards, e-wallets, bank transfers, and prepaid cards. E-wallets like PayPal, Neteller, and Skrill offer lightning-fast transactions, and mobile users especially enjoy the convenience of Venmo online gambling. While bank cards such as Visa, MasterCard, and American Express provide ultimate security.

Meanwhile, bank transfers can be a viable option when making large deposits, although transactions can take time. Prepaid cards are also a great alternative to traditional banking methods if you prefer not to share your information with the casino, as they provide complete anonymity, but require more preparation than a traditional debit or credit card.

Cryptocurrencies like Bitcoin and Ethereum are not available at real money casinos, but you can use this payment option at some Sweepstakes Casinos. If you already trade in crypto, and you have a crypto wallet, this could be a good option for you. In-person payments are another, somewhat inconvenient alternative, allowing you to deposit cash at retail locations if that appeals to you.

Ultimately, different casinos will accept different payment methods, so choosing the one that best suits your preferences is essential. In the table above, we’ve broken down our recommendations by payment types offered, so you can quickly see which casino accepts your preferred payment method.

How to Deposit Money for Online Gambling

It’s easy to deposit cash at licensed online casinos in the US. The process may vary from one casino to the next, but the below steps are the most common:

  1. Start by choosing a reputable online casino from our toplist.
  2. Create a new player account using the casino’s on-screen registration form.
  3. Head to the cashier section and choose your preferred payment method.
  4. Enter the amount you wish to deposit and any other required payment information.
  5. Once the deposit has been processed, you can start playing!

These steps, however, only apply to real money casinos. You do not need to deposit real cash when playing at Sweepstakes Casinos. Instead, you’ll have the opportunity to purchase digital coin packages.

Note that as a standard procedure, you must verify your player account by submitting your identification documents when you sign up with a real money online casino. The checks will confirm your identity to protect your personal and financial information. The verification process also helps prevent fraudulent activity and ensures an overall positive gambling experience online.

Is It Safe to Deposit at an Online Casino?

We understand the hesitation if you’re a new player, but yes, depositing at an online casino in the US is quite safe if you play at a regulated and licensed casino.

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.

Online Casino Easy Deposit Methods

At online casinos, there will almost always be more methods available for depositing than withdrawing your money because some deposit methods, such as prepaid cards, don’t support withdrawals.

In the US, the lowest minimum deposit casinos accept $5 to $10 dollars. However, most casinos will require you to deposit $20 or more to get the bonus.

Most deposits are processed instantly, but 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.

Let’s take a look at the easiest ways to deposit at an online casino so that you can start playing with the least hassle.

Debit Cards & Credit Cards

Perhaps the most straightforward way of depositing onto an iCasino site is with a credit card or debit card. Virtually every online casino you come across will allow you to use a debit card, such as Visa and Mastercard. Some casinos also accept credit cards, like American Express and Discover Card, but not all online casinos do.

Bank cards are the easiest way to deposit money at an online casino because all you need to do is enter your card details and the amount you want to deposit. Alternatively, Trustly casinos enable you to make casino deposits via your bank account, but without having to your debit or credit card details.


Thanks to their convenience and security, e-wallets have become a popular payment option among casino players. With e-wallets, you can fund your casino account in minutes.

Security and anonymity are the other reasons some players prefer this payment method. You don’t have to provide your credit card or bank account information when using an e-wallet, which reduces the risk of someone stealing your information.

Skrill and Apple Pay Casinos are becoming more popular. However, PayPal is the most common and popular e-wallet that players in the U.S. can still use.

Other Casino Deposit Options

While bank cards are the most commonly used method, they can sometimes be declined by the bank due to restrictions on gambling transactions. E-wallets, at the same time, can sometimes be excluded from bonuses.
Fortunately, many online casinos in the US accept several other reliable deposit solutions. Admittedly, some of these options take longer to process but have their own benefits.

Bank Transfers

Bank transfer is one of the most secure and reliable payment options. However, using methods like ACH payments or eChecks to top up your online casino account has advantages and disadvantages.

One of the biggest drawbacks is that banking solutions like ACH payments are not instant and could take three or more days to appear in your casino account. Another bugbear is high fees. Banks often charge admin fees, which can eat into your winnings.

On the other hand, most forms of bank transfer offer hack-proof security. For example, eCheck is a secure online deposit and withdrawal method offered by Global Payments VIP Preferred™. You can use eChecks 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 eCheck.

Finally, bank transfers allow large deposits and withdrawals, which explains why some casino players prefer this method to other speedier options like e-wallets or cryptocurrency.


Cryptocurrency, including Bitcoin, Ethereum, and Litecoin, is another convenient payment method you can use at online casinos. The best thing about this option is speed and anonymity.

However, no real money casinos accept cryptocurrency, and there’s just a few legit crypto gambling sites that offer Sweepstakes gaming, which may limit your options. is currently the only Sweepstakes Casino that accepts this banking alternative. Additionally, cryptocurrency is not regulated by financial institutions, posing a higher risk of scams.

Therefore, 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.

Gift Cards & Prepaid Cards

Gift Cards or Prepaid Cards are the way to go if you’re looking for a quick, safe, and convenient way to make deposits without using your credit card or bank account. They’re accepted at many online casinos in the US and are easy to obtain via the many convenient retail locations near you.

In addition to speedy and private transactions, prepaid cards such as Vanilla and PaySafeCard can help curb overspending, as most have a set limit. The disadvantages include possible activation or renewal fees, which can add up if you use the card frequently. Plus, you can’t use them for withdrawals, so you’ll need to choose an alternative payment method available at the casino to cash out your winnings.

That said, Play+, a smarter way to play at an online casino, is one option that allows you to deposit and withdraw. It offers instant deposits and fast access to your winnings at your preferred online casino, which supports Mastercard or Discover.

Online casinos that accept Gift Cards are usually the household names, like Caesars, DraftKings, and BetMGM. Like prepaid cards, they’re a safe and easy way to fund your casino account with minimal to no delays. The popular options include Visa, Mastercard, American Express, and Discover.


Two types of In-person payment methods are available at some US casinos: Cash at Cage and PayNearMe. The former allows you to deposit and withdraw cash quickly, easily, and fee-free at the casino’s physical location.

In other words, you must physically visit your casino’s land-based sister site to deposit or withdraw cash at the cashier cage, hence the name Cash at Cage. This is an ideal option if you prefer cash to online transactions and live nearby - just prove your identity with a valid photo ID at the casino’s cashier.

Like Cash at Cage, PayNearMe is another In-person payment option designed specifically for American casino players. 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.

Online Casino Easy 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 takes 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.

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 withdrawals easily, quickly and securely.


PayPal is one of the easiest methods to use for withdrawal and there are countless USA casinos that accept PayPal. 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 Cards & Debit Cards

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

ACH Bank Transfer 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

Play+ cards are 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.

Are There Instant Withdrawal Casinos?

Finding a reputable online casino that offers instant withdrawal transactions is rare. That’s because several steps are involved in processing the transaction, from verifying your account to manually reviewing your request by the casino’s finance team.

Even if the casino approves your withdrawal request within minutes, the funds must be processed by your bank or payment provider, which can take another two to three days or longer. Any site claiming to be a no deposit bonus instant withdrawal casino is most likely unregulated and not worth risking your cash.

Are There Play Now Pay Later Casinos?

Klarna and Pay By Phone are the two banking options that allow you to play now and pay later. Using the Pay by Phone method, you can deposit now and pay later when your phone bill is due. With Klarna, you can make purchases by paying in installments or delaying the payment for 30 or so days. Sadly, these options are currently unavailable in the US.

To play now and pay later at US online casinos, your best option is to use a credit card. However, only a few casinos support this method. Check out Caesars, DraftKings, 888, Bet365, Borgata, and Wheel of Fortune Casino, but be sure to set your budget and stick to it. Playing responsibly is always more fun than losing money you can’t afford.


Sadonna Price

Sadonna Price

For almost two decades, Sadonna has provided quality content for online gambling operators both in the United States and abroad. With a focus on casino gaming and poker, Sadonna has covered the latest legal developments in the industry, including new services as they launch in the US, as well as fun and interesting articles on new games and exciting tournament action.