Best ACH Casinos for 2024

Timothy Lewoc

Updated by Timothy Lewoc

Lee James Gwilliam

Fact Checked by Lee James Gwilliam

Senior Vice-President

Last Updated 16th Jul 2024, 02:30 PM

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.

ACH CasinoStar FeaturePlay Now
🏅 Caesars Palace Online Casino🎲 Lots of live gamesPlay Caesars
🏅 Fanatics Casino    🎁 Generous welcome offer for new playersPlay Fanatics
🏅 HardRock Bet🌟 Lucrative promotional offersPlay HardRock Bet
🏅 PlayStar Casino    💸 Instant depositsPlay Playstar
🏅 BetMGM Casino    🎰 2000+ online slots availablePlay BetMGM

 

It is no surprise then that ACH is a popular payment option for players who want to play the best online 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. 

ACH Transfer Banner
Min Deposit $50.00
Max Deposit $5,000.00
Min Withdrawal $50.00
Max Withdrawal $5,000.00
Deposit Time Instant
Withdrawal Time 5 to 10 days
Requires Physical Card Icon Error No
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Guide to Finding the Best ACH Transfer Casinos in 2024

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.

What Are ACH Casino Transfers?

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.

Best ACH Mobile Casinos

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

Caesars Palace Online Casino

Caesars Palace is a great option if you are looking for an echeck casino accepting ACH. Caesars Palace online casino launched in 2013 and offers plenty of fun games including slots, table games and live dealer games.

The website is simple to use and has many interesting features. Because of its ease of use, you can quickly navigate to select your favorite games, take advantage of deals, and get to the cashier page.

With Caesars Palace online casino, depositing and withdrawing funds is simple and only requires a $10 deposit. Use the promotional code CASINOSCOM2500 to receive a 100% match up to $2,500 as part of their generous welcome offer if you're a new player making a deposit.

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BetMGM Casino

If you're searching for a new online casino that takes ACH payments, BetMGM Casino sticks out as a fantastic choice. Their sports and casino verticals mean that there's something for everyone.

BetMGM offers generous bonuses and promotions to both new and existing players, including an enticing welcome bonus that requires a $10. As a new player, you can grab the chance to get a $75 on the house when you use the bonus code CASINOSCOM

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PlayStar Casino

PlayStar is a relatively new online casino that launched in 2022 for players residing in New Jersey. Since then, the casino has become a top choice for many players thanks to its impressive selection of casino games. These games include slots, keno, and Slingo, as well as live dealer games and table games.

PlayStar accept ACH payments and with a minimum deposit of $20, new players can take advantage of their very generous welcome offer of 100% up to $500 + 500 free spins. 

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How to Use ACH Payment Method at US Online Casinos

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:

How To Register At An ACH Online Casino Site

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.)

How To Make Your ACH Online Casino 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.

  1. Log in to your casino account and head to the “Cashier” page.
  2. Select ACH from the drop-down payments list.
  3. Enter your desired deposit amount, making sure you meet the minimum limit.
  4. Input your welcome bonus promo code (if applicable.)
  5. Hit “Submit” and finalize the transaction.
  6. Once your payment has been processed and the money arrives in your account, you’ll be ready to play!

How To Withdraw Your ACH Casino Winnings

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. 

  1. Head back to the “Cashier” page and select “Withdrawal”.
  2. Select ACH from the drop-down payments list.
  3. Enter your desired withdrawal amount.
  4. Confirm your details and finalize the transaction.
  5. It will typically take a few working days to receive your winnings.
Why Use ACH TransferDetails
Simple SetupSetting up ACH payments is easy. Link your bank account to your casino account, and you're all set.
User-friendly To start, log into your account, navigate to the cashier, and select ACH as your preferred payment method.
Security ACH is one of the safest ways to send money online. You only need to enter your bank account details once, keeping your information secure from hackers.
ConvenienceThe ACH payment option is available at most online casinos in PA, CT, WV, DE, MI, and NJ.
Fast Transactions Deposits are nearly instant when using ACH.
Cost-effectiveMost casinos in PA, CT, WV, DE, MI, and NJ do not charge administrative fees for using ACH transfers.
BonusesMost PA, CT, WV, DE, MI, and NJ casinos offer bonuses when using ACH payments.

ACH Casino Bonuses

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. 

ACH CasinoBonusGamesMin. DepositWithdrawal TimeStatePromo CodeVisit
🏅 Caesars Palace Online Casino100% deposit match up to $2,500700+$103-5 daysMI, PA, WV, NJCASINOSCOM2500Caesars Review
🏅 BetMGM Casino100% deposit match up to $1,000 + $25 on sign up800+$103-5 DAYSMI, PA, WV, NJ.CASINOSCOMBetMGM Review
🏅 PlayStar Casino100% Deposit Match up to $500 + 500 Free Spins150+$201-2 daysNJN/APlayStar Review

 

From time to time, the offers below may not match the casinos we highlight. This happens when the offer is not currently available in your region. In this case, we will show you the next best offer available to you.

Deposit Bonuses

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. 

No Deposit Bonuses

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. 

Free Spins

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. 

Cashbacks and Reloads

There are plenty of promotions to look forward to after you’ve made your first deposit. As the name suggests, cashback casino 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.

Licensing Authorities and Testing Agencies

The Security and Safety Of ACH Payment Methods

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.

ACH Pros & Cons

Advantages
Low cost (often free)
Transactions are reversible
It can be used for deposits and withdrawals
Offers more security than bank or wire transfers
No need to set up a third-party account like with e-wallets
Disadvantages
Processing times are swift but not immediate
Limited to domestic US bank accounts only
Stricter transaction limits

Alternative Online Casino Deposit Methods to ACH

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. 

Payment MethodDepositsWithdrawalsEligible for BonusesMobile-friendlyProsCons
Credit CardInstant2-5 days

✔️

✔️

Accepted at all casinosCan take longer for withdrawals
Bank TransferInstant2-5 days

✔️

✔️

Fast transfersLess secure than ACH
PayNearMeInstantInstant

✔️

✔️

Can use cash to fund accountMust visit a physical store
Play+InstantInstant

✔️

✔️

Swift, fee-free withdrawalsNeed to register for a Play+ card
PayPalInstantInstant

✔️

✔️

Fast withdrawal times; extra secureNot all casinos accept PayPal
Pay By PhoneInstant N/A

✔️

✔️

Convenient and quick depositsUnsuitable for withdrawals
PaySafeCardInstant2-3 days

✔️

✔️

Anonymous paymentsIt may not be available to purchase in your area

Credit Card 

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.

Bank Transfer 

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.

PayNearMe 

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.

Play+ 

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).

PayPal 

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.

Pay By Phone

Pay By Phone is a method of payment that is gaining popularity in the United States. With this kind of payment, deposits can be made using your phone bill, and the transactions will be applied right to your current phone bill.

PaySafeCard

You can deposit money via PaySafeCard without giving the casino your bank account or credit card information. You purchase a PaySafeCard prepaid voucher, which is sold at a number of stores, and use the card's code to complete the transaction. 

Other online casino payment types

In addition to those listed above, a casino might allow you to pay by bank or wire transfer.

How We Rate and Review Casino Payment Methods

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:

  • Reliability of the method
  • Transaction speed
  • Deposit and withdrawal limits 
  • Overall reputation of the payment provider
Good for high-rollers Icon Error No
Time to Set Up 15 minutes
Good for small deposits Icon Error No
KYC Info Required Icon Error No

ACH Transfer Information

Email/contact details https://www.nacha.org/form/contact
Gambling GEO AT, CA, CH, DE, GB, IE, IT, NL, NO, NZ, SE, US
Number of employees 50
CEO James L. Plappert
KYC Info Required Icon Error No
Social media accounts
Requires physical card Icon Error No
Headquarters and other locations Kentucky - United States
Owned by other company Yes, National Automated Clearinghouse Association

Meet The Author

5 Years
Experience
Timothy Lewoc
Timothy Lewoc

Tim is our Commercial Lead overseeing Sports in the US. He has specialized in the software industry over the last 10 years, focusing on iGaming over the last 4. He has experience working in Sportsbooks and Casinos.

Read Full Bio

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