Online casinos that support bank account transactions are among some of the most sought after online gambling sites by US players. Many US banks like Chase Bank, Citigroup, and Bank of America accept bank transfers when it comes to online gambling online, but some strictly prohibit gambling transactions and disable such payments immediately.
If you’ve been looking to use the bank transfer payment method for deposits and withdrawals at an online casino, there are a couple of things you should know. We will go through the different online casinos supporting bank transfers and how you can use them to fund your gambling account, along with possible limits, fees, and pros & cons. Stick around.
Using Your Bank Account at Online Casinos
Bank accounts are supported at online casinos, but not all banks qualify. You can use eCheck, wire transfer, direct bank transfer, or bank bill pay to deposit or withdraw funds.
Using eCheck is the best payment option if you’re withdrawing small amounts and can wait up to 5 or 7 business days. But if you want speedy payments for a large amount, you should choose a wire transfer.
eCheck payments are generally cheaper than wire transfers. Some banks like Wells Fargo and Union Bank charge $0 for eCheck payments. But for wire transfers, they charge $25 to $50.
If you’re looking for online casinos that support bank transfers and feature US banks in their cashier, this article has all the information you need.
2023’s Top Bank Account Online Casinos
The most popular online casinos that allow bank account payments include:
- Golden Nugget Casino
- Borgata Casino
- BetMGM Casino
- DraftKings Casino
- Caesars Casino
- BetRivers Casino
- FanDuel Casino
Golden Nugget Casino
Golden Nugget Casino is one of the top bank transfer casinos in America. It is available in Michigan, New Jersey, and West Virginia and offers 1,300+ online casino games. It supports different payment methods, including ACH and online banking.
| 💳Bank transfer method | 💵Deposit Limit | 💵Withdrawal | ⏱️Deposit Processing time | ⏱️Withdrawal processing time |
|---|---|---|---|---|
| Online banking | Minimum $10; Maximum: $1,500 (daily) | / | Instant | / |
| VIP Preferred ACH | Minimum $20; Maximum: $50,000 | Minimum $20; Maximum: $250,000 (per transaction) | Instant | 2 business days |
| Wire transfer | Minimum $50; Maximum: $10,000 (daily) | Minimum: $500; No max limit | 5-7 business days | 5-7 business days |
The supported banks include Bank of America, Chase Bank, Citibank, Wells Fargo, etc.
Borgata Casino
Borgata, as one of the top bank transfer casinos on our list, features 1,000+ slots, table games, bingo, baccarat, roulette, video poker, etc., and serves gamblers in New Jersey and Pennsylvania.
This bank account casino allows you to transact via eCheck, wire transfer and instant bank transfers. To use these methods, you must input your banking details, including your account number and routing number.
| 💳Payment method | 💵Deposit limit | 💵Withdrawal limit | ⏱️Deposit Processing time | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| Instant transfer | Personalized limits | Minimum: $20; Maximum: $50,000 | Instant | 2-3 business days |
| VIP eCheck | Personalized limits | Minimum:$50; Maximum: $50,000 | Instant | 2-3 business days |
| Wire transfer | Personalized limits | Minimum: $1,000; Maximum: $2,000,000. | 3-5 business days | 3-5 business days |
Borgata does not have a deposit limit that you can follow. Instead, you can set it yourself according to your gambling budget and request to change it after some time. The casino decides whether your request will be approved according to your previous gambling patterns. Borgata Casino supports all US banks that allow online gambling payments.
BetMGM Casino
BetMGM is one of the most preferred online casinos for players in Michigan, New Jersey, West Virginia, and Pennsylvania. This bank transfer casino presents many slots, table games, jackpots, live dealer games, and exclusives.
It accepts VIP eCheck, bank wire transfers, and instant banking. Other supported BetMGM payment methods include PayPal, Play+, PayNearMe, Discover Venmo, Apple Pay, and MGM Rewards Cards.
| 💳Payment method | 💵Deposit limit | 💵Withdrawal limit | ⏱️Deposit Processing time | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| VIP Preferred e-Check | Personalized limits | Minimum: $10 | Instant | 2-5 business days |
| Instant bank transfer | Personalized limits | Minimum: $10 Maximum: 50,000 | Instant | 2 business days |
| Wire transfer | Personalized limits | Minimum: $1,000 Maximum: 2,000,000 | 2-5 business days | 2-5 business days |
Similarly to its sister casino, BetMGM doesn’t have a deposit limit. It allows bettors to set it themselves according to their budget and reserve the right to change it.
Note that you must submit your ABA Routing number, Swift code, and Sort code for wire transfers.
DraftKings Casino
DraftKings accepts bank transfer payments from players who want to wager on their gambling site. This bank transfer casino features popular games like Baccarat, Slots, Roulette, Craps, Video Poker, Blackjack, Live Dealer Games, and more.
You can deposit and withdraw at DraftKings Casino via online banking, VIP Preferred eCheck, and bank wire transfer. Other payment methods include PayPal, credit and debit cards, Venmo, electronic gift cards, and DraftKings gift cards.
| 💳Payment method | 💵Deposit limit | 💵Withdrawal limit | ⏱️Deposit Processing time | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| Wire transfer | N/A | Minimum: $20,000 No maximum limit | Up to 2 business days | Up to 2 business days |
| VIP preferred eCheck | N/A | Minimum: $1 Maximum: $100,000 | Instant | Up to 3 days |
| Online banking | N/A | Minimum: $1 Maximum: $100,000 | Instant | Up to 5 days |
DraftKings also allows you to set your deposit limit according to your gambling budget for each month. You will need to check your account to see correct minimum and maximum deposit limits for these methods. The supported banks include Bank of America, Chase, PNC, Wells Fargo, Deutsche Bank, and more.
Caesars Casino
Caesars Casino is another world-class online casino that supports bank transfer payment methods. Whether you want to play table games, poker, slots, or other fun casino games, it’s got you covered.
Here, you can pay and receive funds via wire transfer, eCheck and online banking. Here’s what you need to know about Caesar Casino payments:
| 💳Payment method | 💵Deposit limits | ⏱️Deposit Processing time | 💵Withdrawal limits | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| VIP Preferred eCheck | Minimum: $10 Maximum: $500 | Instant | Minimum: $20 Maximum: $500 | 3–5 days |
| Online Banking | Minimum: $10 Maximum: $500 | Instant | Minimum: $20 Maximum: $500 | 3–5 days |
| Wire Transfer | Minimum: 2,500 Maximum: 10,000 and above | Up to 3 business days | Minimum: $2,500 Maximum: $10,000 and above | 2–5 days |
Note that these options are not available in Nevada.
BetRivers Casino
BetRivers is another top bank transfer casino available to players located in Pennsylvania, New Jersey, Michigan, and West Virginia.
You can deposit and withdraw via online banking, VIP preferred eCheck and wire transfers. Other payment methods like PayPal, Play+, PayNearMe, Discover, and credit and debit cards are also available.
| 💳Payment method | 💵Deposit limits | ⏱️Deposit Processing time | 💵Withdrawal limits | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| VIP Preferred eCheck | Personalized limit | 1-5 business days | Minimum: $10; No max limit | 2–5 business days |
| Online Banking | Minimum: $10 Maximum: $50,000 | Instant | Minimum: $10; No max limit | 2–5 business days |
BetRivers accepts bank account payments from Bank of America, Chase, Wells Fargo, Deutsche Bank, and more US banks.
FanDuel
FanDuel not only accepts bank accounts but offers great betting odds and impressive gaming options in the casino and sportsbook sections.
You can deposit and withdraw at FanDuel through online banking, wire transfers, PayNearMe, Discover, Mastercard payment methods, and more.
| 💳Payment method | 💵Deposit limits | 💵Withdrawal limits | ⏱️Deposit Processing time | ⏱️Withdrawal Processing time |
|---|---|---|---|---|
| Online banking | Minimum $10; Maximum N/A | No minimum limit; Maximum: $10,000 | Instant | 3–5 business days |
| Wire transfer | Minimum $10; Maximum N/A | No limits | 3–5 business days | 3–5 business days |
| ACH eCheck | Minimum $10; Maximum N/A | Minimum $25; Maximum N/A | 3–5 business days | 3-5 business days |
Note that wire transfers via FanDuel have a $15 fee. Also, Any wire transfer requested after 3 PM local time will be handled on the next business day. FanDuel accepts many US banks, but they may reject Union Bank and Huntington Bank transactions.
List of Gambling Friendly Banks
Using bank accounts for gambling is secure and convenient. Unlike digital wallets, cyber threats and scammers cannot easily target bank accounts.
Some US banks started restricting online gambling transactions after the 2006 Unlawful Internet Gambling Enforcement Act was signed. However, many banks now back online gambling payments since the overturning of PASPA in 2018.
They include:
- Chase Bank
- Bank of America
- Capital One 360
- Wells Fargo
- Deutsche Bank
- Santander
- Citibank
- Goldman Sachs
- PNC
Best Bank Account for Online Gambling
The best bank account for online casino players is Capital One. Bank of America and Chase Bank are also reliable gambling-friendly banks.
However, no matter the bank you use, you must have a checking or savings account. These accounts will allow you to send and receive money easily from your bank account to the casino without hassles.
Banks That Don’t Support Gambling Payments
The Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 prohibits banks and individuals from transacting with illegal online casinos. Because of this, some banks may restrict customers from paying or receiving funds from online casinos. Examples include:
- Barclays Bank
- Halifax Bank
- Starling Bank
- Ally Bank
In some cases, these banks don’t automatically block bank transfers to online casinos. Instead, they have a “gambling block” feature, which you can turn on and off. When you turn it on, your account will not allow bank transfers to online casino sites. It is implemented as a protection feature for their customers.
Online Casino Deposits with Bank Account
It is quite easy to deposit funds using a gambling-friendly bank. Different casinos have unique payment interfaces, but the process is always similar. Here’s how to do it:
- Navigate to the “Cashier” or “Payment” tab.
- Select “Deposit,” and you’ll see a list of deposit options.
- Click on “Bank Transfer,” “VIP Preferred ACH”, or “Wire Transfer.”
- Enter the deposit amount.
- Choose your bank from the drop-down.
- Enter the necessary details requested, like your full name, address, routing number, etc..
- You may receive a confirmation code. Enter the code.
- Press “confirm deposit.”
Casino Withdrawals to Bank Account
It’s also easy to make bank transfer withdrawals on casino sites. This is how to do it:
- Navigate to the “Cashier” or “Payment” icon on the app or website.
- Click on “Withdrawals.”
- From the list of withdrawal methods, select “online banking,” “bank transfer”, or “wire transfer.”
- Enter the withdrawal amount.
- Select your bank, and fill in the requested details.
- Your bank may send you an OTP. Submit it to verify the transaction.
- Press “Confirm.”
Ensure all bonus wagering requirements are met prior to withdrawing funds to your bank account. Verification is also required, but it is usually completed during sign up.
Is this Banking Option Safe?
Making bank transfers on online casino sites is safe because the money goes directly into your account. You don’t have to worry about security and other issues that may arise when you receive funds through a digital wallet or cryptocurrencies.
Will My Bank Charge Fees?
Banks charge transaction fees when you pay or receive money through bank transfers. For instance, Bank of America charges $30 for outgoing and $15 for incoming wire transfers. Wells Fargo charges the same amounts, while Chase Bank charges $15 for incoming wire transfers and $25 for outgoing transfers.
Keeping in mind that online casinos accepting bank account payments do not impose those fees, your bank is likely to do so.
How Long Until the Money Show Up in My Bank Account?
When you request a withdrawal to a gambling-friendly bank account, your casino operator may take 1 to 2 days to process the request. After that, receiving the funds may take another 3 to 5 business days.
Pros & Cons of Bank Account Gambling
The advantages of bank account gambling are:
- Convenience: You can conveniently deposit and withdraw with your bank account instead of third-party applications.
- Security: Bank accounts are more secure than debit or credit cards and other payment methods.
- Budgeting: You can set a gambling limit and restriction on your account to curtail addiction.
- Bonuses and rewards: Some online casinos will give you special promos for using the bank account payment method.
On the other hand, here are some disadvantages of using a bank account for online gambling:
- Impulsivity: If you don’t set a gambling limit, you may start gambling impulsively.
- Privacy concerns: You may need to share some of your private financial information with the gambling site.
- Limited acceptance: Bank transfers are not universally accepted on all online casinos. Hence, some banks may flag the transaction and revert the payment.
Alternative Payment Options
If you cannot use the online banking option, you can opt for other payment methods. The most common ones are debit cards, PayPal, Skrill, PayNearMe, Venmo, Play+, Apple Pay, and prepaid cards.
Many online casinos also offer withdrawals via their physical cage locations, which is a quick and safe way to get your winnings. However, this can be inconvenient based on your proximity to the land-based casinos in some states.
How to Find the Best Online Casino Accepting Bank Account Payments
Finding the best online casinos that support bank account payment takes some time and research. Some things to look out for are:
- Licensing: The best casinos with bank transfers must be duly licensed online casinos controlled by a reputable regulatory body in your state.
- Security: Check the URL bar on their website to ensure that there’s a padlock sign. Also, ensure that the URL starts with “https://” and not just “http://.” The ‘s’ entails that the site is secure, and your data won’t be compromised easily.
- Gaming varieties: Gambling is more fun when you wager at a casino site with a wide variety of games. So, the best bank transfer casinos have many games supplied by reputable casino software providers like NetEnt and Big Time Gaming.
- Banking options: Finally, check their banking options. Look out for terms like “VIP Preferred ACH,” “Bank transfer,’ “eCheck,” or “Direct bank payment.” If you see any of these options, then it means that the casino accepts bank account payments.
FAQs
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What are the best bank accounts for online gambling?The best bank account for online gambling is a checking or savings account. Capital One and Bank of America are some of the most efficient gambling-friendly banks.
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What are the best online casinos that accept bank account payments?Some of the best online casinos you can pay with a bank account are Golden Nugget Casino, Borgata Casino, BetMGM, DraftKings Casino, Caesars Casino, BetRivers, and FanDuel Casino.
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Do banks charge a fee when you make bank transfers from online casinos?All gambling-friendly banks have a fixed fee for online transfers, eCheck, and wire transfers. These fees are applicable when you pay or receive money from casino sites.
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Is using a bank transfer method to pay at online casinos legal?Yes, using your bank account to pay and receive money from online casino sites is legal since the repeal of PASPA.
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Why does my payment decline whenever I try to make a bank transfer on online casinos?Your payment may be declined if your bank does not allow online gambling payments. You may also need to check if the gambling block feature has been activated on your account.
