1) Do you have a bank account? If so you might want to give ACH a go. It’s pretty reliable, you get to play within seconds of making a transaction, and there are no hidden fees. Success rates vary a little bit from bank to bank, but I’d say you have about an 80-85% chance of your deposit going through.
2) PayPal: This is a fast way to get money online, but it’s dependent on whether the casino actually accepts PayPal (not that many do), and if you already have a verified PayPal account.
3) Prepaid card: Most sites boast a prepaid card option. I’d use this if you have trouble with ACH. You’ll need to sign-up first, but you don’t need a physical card to make a deposit. What you will need is a debit card or checking account, so that you can load funds onto the prepaid account. There are usually some monthly deposit limits associated with this option, which is a drag, but it boasts a super high success rate. More here.
4) Cash methods: If you don’t have a checking account, go with either the cash at the cage option if you visit AC frequently/live close, or PayNearMe if you live close to a 7-Eleven (most of us New Jersey folks do). This is a pretty surefire method of getting money online, although it does require you leave your house — which is kind of a hassle, especially in this weather.
I’d probably avoid Visa and MasterCard credit card transactions, as the issuing bank (not the NJ online casino) will hit you with fees. Also the success rates are on the lower side.
I’ve had some luck with the prepaid card option. Like Robert said, you don’t need to receive a physical card to make a deposit via this method. Simply sign up on the site, and once approved (it takes a minute) use your debit card to load the card. Then these funds can be used for deposits.
It’s a two step process which might turn some people off, but not me. Takes all of 15 seconds longer than ACH, and has much better success rates.