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Having recently entered its fifth decade in operation, ACH (Automated Clearing House) is an electronic money transfer system that can facilitate a range of online payments. It is one of the longest-running online casino payment options available in the US. Though many associate ACH transfers with bank or wire transfers, there are some key differences. Notably, ACH transfers offer higher levels of security and much lower processing costs than other EFTs (Electronic Funds Transfers), alongside the option to reverse or cancel a transaction.
It is no surprise then that ACH is a popular payment option for players who want to play the best real money slots online. Exclusive to US gambling sites, ACH can be used for both deposits and withdrawals. Additionally, keep in mind that ACH is great for high rollers and also ideal for small deposits.
Our favorite US online casino sites that accept ACH are BetMGM, Caesars, Golden Nugget and DraftKings. It’s a very common method so it’s likely your favorite US online casino offers it. Don’t forget that US online casino play is only legal in a few states, so make sure you’re physically located in one of them before trying to play. These are Pennsylvania, Connecticut, West Virginia, Delaware, Michigan, and New Jersey.
When you make an online deposit with ACH, you approve the ACH network to transfer funds to the casino.
ACH deposits are bank-to-bank transfers between yourself and the casino, with the clearing house acting as a middleman.
Because it must be processed and cleared by the ACH network, this kind of payment can take a little longer than bank or wire transfers. However, it’s usually only an extra day or two, and you get the added benefit of higher security.
Other benefits of using ACH include convenience and availability. Gone are the days when cashing physical checks and suffering lengthy processing times was the norm. ACH allows you to deposit with an eCheck and have it cleared within a couple of days, saving both processing and travel time. The ACH network launched in 1972, so you can depend on its 50 years of experience.
The ACH payment solution is much like other bank and wire transfers but can only be used within the US. To use ACH to play the best slots online, blackjack and more in the US, simply follow the following steps:
Before you can make an ACH deposit and start playing, you’ll need to create an online casino account at the operator of your choice. Golden Nugget, Caesars, and BetMGM are some of the most popular ones, but a majority of the smaller online casino brands take ACH as well.
The registration process is a breeze. Remember that any casino you register at will undertake “Know Your Customer” (KYC) identity checks. These checks involve verifying your account by uploading proof of your ID and address. You’ll need to upload these documents to make a withdrawal (and some casinos even require verification before a deposit.)
So, you’ve chosen a casino and registered your new player account. The next step is to fund your account with an ACH deposit. The process is swift and straightforward and involves the following steps.
If you’re lucky enough to secure some winnings, you’ll be able to withdraw them using ACH. Similar to deposits, ACH withdrawals can take a little longer to process than other EFT options. However, there are rarely any withdrawal fees attached.
Cashing out with ACH is easy, but we’ve laid out a step-by-step guide to help get you started.
If you’re hoping to scoop up some great top casino bonuses, paying with ACH is a great way to do so. Claiming a welcome bonus is a fantastic way to kickstart your gaming adventure at a new online casino. From deposit-matched bonus cash to no-deposit free spins, welcome offers help you stretch out your session and hopefully score some decent wins.
That said, these bonuses come with terms and conditions attached. More often than not, you’ll find that there are restrictions on which banking methods you can use to pay for a promo. That’s where ACH payments come in. Whereas e-wallet apps like Neteller and Skrill are often ineligible for bonuses, ACH is almost never excluded. As a US-exclusive payment method, ACH is far more commonly available than some e-wallets and even some credit and debit cards.
Bonuses are part and parcel of the online casino experience. New to the world of online gambling and not yet familiar with the lingo? We’ve got your back! Below are some of the most common bonuses and promotions you’ll find at any US online casino.
The most common casino bonus, deposit bonuses, give you a reward when you top up your account. Most US online casinos offer deposit bonuses when you register as a new player. Often referred to as a welcome or registration bonus, these new-player deposit bonuses will typically match your first deposit by a certain percentage, such as 100%, in bonus cash.
Who doesn’t love a freebie? Online casinos with no deposit bonuses are the freebies of the online casino world and reward new players simply for making a new account - no deposit required. Lower in value than deposit bonuses but just as exciting, no deposit bonuses usually come in the form of free spins or a small amount of casino credit. It’s worth noting that this kind of bonus will probably have stricter conditions than a deposit bonus, whether that’s lower withdrawal caps or fewer eligible games.
Sticking with the freebie theme, free spins are slot stakes that don’t use up your real money bankroll. While bonus cash is excellent for game variety, free spins arguably give you the best value for money since you can bet the maximum amount without impacting your remaining bonus balance. Unsurprisingly, this type of bonus is a big hit with bettors. Depending on how generous the casino is, you can either wager your free spins on a small selection of games or have complete freedom over where you spend them. One thing to note about free spins bonuses is that they are different from the free spins you see in the base or bonus game of a slot.
There are plenty of promotions to look forward to after you’ve made your first deposit. As the name suggests, cashback bonuses give you a certain percentage of your losses back. On the other hand, reloads are similar to welcome offers and reward you for funding your deposit. However, they won’t give you quite as much of a reward as a new player offer.
ACH is a top-tier choice for US players who like to gamble on the go. Mobile gambling has never been so accessible, and making deposits and withdrawals is just as easy. ACH deposits can take a few days to land in your account, but the actual deposit process itself is swift and straightforward. Unlike an e-wallet, you don’t need to log into a separate account to make a payment. Instead, you just enter your information directly on the site and let your bank do the work.
Additionally, the beauty of eChecks is that they are paperless transactions that never require travel to a physical store the way prepaid cards do. What’s more, ACH allows you to set up direct debit payments to the casino. While casinos that accept Paysafecard, PayNearMe and other prepaid cards are great for budget-minded players, they do require making a trip to the store and don't have a digital option like ACH. ACH is ideal for regular bettors who like to gamble on the move. By setting up a recurring monthly payment, you can save yourself the hassle of inputting your information every time you run low on funds.
You can make deposits and request withdrawals from a mobile browser when you use ACH. All the casinos we recommend are built on HTML5 technology, making them responsive and optimized for use on any mobile device.
On the other hand, many top US casinos offer compatible slots for mobile via apps. You can download the apps from the App Store and Google Play store. These apps provide enhanced usability and connectivity, additional navigational features, and even some exclusive mobile-only bonuses. Funding your account and playing your favorite games has never been so easy, thanks to the best mobile casinos in the USA.
ACH is one of the safest and most secure online casino payment options you can use at an online casino. The National Automated Clearing House Association (NACHA) regulates the ACH network, and the US Federal Reserve processes all payments. Unlike wire transfers, you can reverse an ACH transaction, making it one of the most flexible and secure banking options.
If you want to win real money, you’ll need to make a real money deposit to your casino account. While ACH is a fantastic deposit option, it won’t be everyone’s cup of tea. Luckily, US gamblers have plenty of other secure and reliable payment options to choose from.
You’ll find at least find an option for credit cards or debit at every US casino. Most often, it will be Visa and/or Mastercard, though many offer Discover and AmEx. One significant advantage of paying by credit/debit card is that they are rarely excluded from bonuses.
Similar to ACH, bank transfers are a form of electronic payment and are a great way to quickly transfer funds from your personal account to your casino account. While online casino bank transfers aren’t as secure as ACH, they offer quicker payment times.
Who says you can’t pay with cash online? PayNearMe lets you use cash to fund your online casino account. With PayNearMe, you don’t load up a prepaid card. Instead, you generate a barcode and take it to a CVS or 7-Eleven, where the store clerk will deposit your cash directly into your bank account.
From BetMGM to FanDuel, all the top US online casinos offer branded Play+ cards. You’ll need to register for a Play+ casino payment card, but you can enjoy swift and fee-free withdrawals once you do. In fact, Play+ usually offers instant withdrawals (after processing).
Another option is PayPal online casinos. This e-wallet is one of the most popular online payment methods, for good reason. E-wallets work similarly to ACH because they are a buffer between the casino and your bank account. They are a way of storing credit and debit cards and offer much faster withdrawal times than paying directly with your card.
In addition to those listed above, a casino might allow you to pay by bank or wire transfer, Pay By Phone, or PaySafeCard.
If you’re unsure about which payment option is right for you, we’re here to help. Our industry experts know exactly what our readers look for in an online casino. We assess each site on various aspects, including the quality of its payment methods.
There are several things we consider when making our assessments, including the reliability of the method, transaction speed, deposit and withdrawal limits, and the overall reputation of the payment provider.
Emma Trotter is a Senior Editor at Casinos.com. Emma has worked as a staff writer and editor for nearly two decades, extensively covering celebrity news and the Las Vegas entertainment, casino and tourism scenes. She spent several years in in-house roles at Caesars Entertainment and Wynn Las Vegas before stepping into iGaming affiliate site content.
Due to high-security levels, ACH payments take a little longer than other options. Instead of bank-to-bank transactions, like bank or wire transfers, ACH payments are processed by the ACH network before they reach the casino. This adds an extra day or two to the payment time. It shouldn't take more than a couple of days to clear an ACH payment.
Beginning in the 1970s, ACH is one of the longest-running payment services in the US. All payments via ACH are processed by the US Federal Reserve, and NACHA regulates the network. Over $70 trillion worth of ACH payments are made annually, so it is certainly one of the most secure banking options available.
Of course. Online payments are the only way to use ACH. It is one of the few payment options offering deposits and withdrawals at US online casinos. It is a domestic service, meaning you won’t find ACH online payments at casinos outside of the US.
You’ll need to create a casino account to deposit with ACH. However, you don’t need to create a separate payment account for ACH as you do with payment methods like PayPal. As long as you have an existing bank account, you can enter the payment details directly into the casino, and the ACH network will do the rest.