Online Casino Banking & Payment Methods

Real-money online casinos are now available in several US states, including New Jersey, Michigan, and Pennsylvania. However, before you can play online, you need to make a deposit. And if you win big, you want to be able to withdraw those winnings.

That reality raises some questions: What payment/withdrawal methods are available at online casinos? What are the pros and cons of the different methods? And which casinos have the most hassle-free banking?

We will cover the answers to all of these questions in our comprehensive guide to online casino banking and payment methods.

Most popular banking options for online casinos

Every online casino is a little different in terms of how players can make deposits and withdrawals. There may also be slight differences in the minimum and maximum amounts allowed.

That said, the best online casinos in the US offer a wide variety of banking options so that players can choose the one that’s best for them. Below, I have identified the most common methods available. These also are the methods that most online casino players prefer, due to their ease of use. (Although, many players would love to see Google Pay casinos, but unfortunately, none exist at the moment.)

If you click the button below the box, you will be taken to our comprehensive guide to that online casino payment method.

Best online casinos in your area

Note: if you are in a state with regulated real-money online casinos, that is the list we will display for you. Otherwise, the lists consists of sweepstakes casinos.

Rank

Casinos

Offer

Features

Play

1

Up to 107.5 Free SC

Plus 600,000 GC

LoneStar Casino  Review

• 100,000 GC Plus 2.5 Free SC on Sign Up

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2

35 Free Sweepstakes Coins

With 1.5 Million WOW Coins Purchase

WOW Vegas Casino Review

• Get 5 Free SC + 250,000 WOW Coins on Sign Up
• Over 1000 Slots Games
• Welcome Bonus and Daily Login Bonuses
• Use Promo Code: WOWBONUS

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3

Up to 22 Free SC + 300,000 GC

On First Purchase

Casino.click  Review

• Get 100,000 GC + 2 Free SC & Daily Scratch Card Bonus on Sign Up

• Get 200,000 GC + 20 Free SC + 10 Free SC Spins on Joxer for $9.99

• Choose from 1,000+ Slots Games

• To Claim: Click CLAIM OFFER

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4

80,000 GC
40 Free SC

Plus 75 Free Spins on First $19.99 Purchase

Jackpota Review

• Get 7,500 GC + 2.5 SC Free on Sign Up

• Play 700+ Social Casino Games

• Get Free Coins Daily

• To Claim: Click CLAIM OFFER

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5

75 Free Sweepstakes Coins

With 1,500,000 Crown Coins Purchase

Crown Coins Review

• Get 2 Free SC + 100,000 Crown Coins on Sign Up

• Rated Excellent by Players - #1 Most Reviewed Social Casino

• 200% More Coins on First Purchase

• To Claim: Click CLAIM OFFER

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6

40 FREE Sweepstakes Coins

With 400,000 Gold Coin Purchase

Pulsz Review

• Free 2.3 SC + 5,000 GC on Sign Up
• Daily FREE Sweepstakes When Logging In
• Choose From Over 700 Games
• Use Promo Code: BONUSPLAY

CLAIM OFFER

7

Up to 625,000 GC & 125 Free SC

And 1,250 VIP Points on First Purchase

RealPrize Review

• Get 100,000 GC + 2 FREE SC on Sign Up

• Daily 5,000 GC + 0.3 Free SC Login Bonus

• Choose from 500+ Games

• To Claim: Click CLAIM OFFER

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8

85,000 GC

Plus 62.5 SC for $19.99

Spree Casino  Review

• Get 25,000 + 2.5 Free SC on Sign Up

• 1,750+ Thrilling Slots and Live Dealer Games Available

• Always Free to Play & Win

• To Claim: Click CLAIM OFFER

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9

30 FREE SC

With 1,500,000 GC Purchase for $9.99

Rolla  Review

• Get 10 FREE SC + 500,000 GC On Sign Up

• Play Over 1,600 Exciting Games

• Enjoy Daily Bonuses, Free-Play, VIP Rewards, and MORE

• To Claim: Click CLAIM OFFER

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10

55 Free SC +

1 SC Daily for 5 Days

On 700 GC & 400 Diamonds $29.99 Purchase

High 5 Casino Review

• 3 SC, 400 GC & 300 Diamonds on Sign Up

• 1200+ Slots & Live Dealer Games!

• FREE Daily Rewards

• Authentic Brand, Made in the USA

CLAIM OFFER

11

Up to 375,000 GC + 32 Free SC

On First $9.99 Purchase

SweepJungle  Review

• Get 75,000 GC + 2 SC Free on Sign Up

• Daily Login Bonus

• Over 1,500 Games Available to Play

• To Claim: Click CLAIM OFFER

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12

1.25M Gold Coins + Free Spins + 104.5 SC

On First Purchase

SweepNext  Review

• Claim 25,000 GC + 2.5 SC – No Purchase Required

• Enjoy a Wide Variety of Casino Games

• Collect Free Coins Every Day

• To Claim: Click CLAIM OFFER

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13

280 Free Sweep Coins

On 2.8M GC Purchase

Chanced Casino Review

• Free Daily Coins, Exclusive Bonuses & 24/7 Giveaways

• Live Blackjack, Roulette, and MORE

• Instant Redemptions for US Players

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14

Up to 27.5 SC
+ 57,500 GC

On First Purchase

LuckyStake  Review

• Get 7,500 GC + 2.5 Free SC on Sign Up

• 150% Bonus - 50,000 GC + 25 Free SC for $9.99

• 1000+ Games, No Limits & Instant Redemptions

• To Claim: Click CLAIM OFFER

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15

Up to 302 SC
+ 4,600,000 GC

On First Purchase

Dara Casino  Review

• Get 100,000 GC + 2 SC on Sign Up

• 200% More Coins on First Purchase

• New Games Every Week + Exclusive Fish Shooting Games

• To Claim: Click CLAIM OFFER

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Best casinos for payments

Again, most USA online casinos offer a variety of payment options. Of course, both the casinos and the payment methods work hard to make the experience user-friendly.

However, I have played extensively on all of the online casinos available. And these are the ones that I have found have the widest variety of banking options and are the easiest to use:

How to choose the best online casino payment method

The best online casino payment methods are the ones that match your personal priorities. Every option trades a little bit of speed, convenience and cost, so it helps to decide what matters most before you deposit.

Start by thinking about how quickly you want to move money. If you care most about fast withdrawals, you may be better off with an e-wallet, a prepaid account such as Play+, or cash at the casino cage where it is available. If you are comfortable waiting a day or two, online banking and ACH transfers are usually very reliable and work well for larger amounts.

Next, look at how your bank treats gambling transactions. Some banks routinely decline credit card payments to online casinos and a few are stricter with debit cards as well. If your card is often declined, you may have a smoother experience using online banking, a prepaid card issued by the casino, or a trusted e-wallet such as PayPal. These methods tend to have higher approval rates for deposits at legal US sites.

You should also consider fees and limits. Most regulated online casinos do not charge their own deposit or withdrawal fees, but your bank or payment provider might. If you want to keep costs down, it often makes sense to use online banking, ACH or a debit card instead of a credit card that could be treated as a cash advance. High-rollers may prefer methods such as online banking, wire transfers or cash at the cage because these options can support higher limits for both deposits and withdrawals.

Security and privacy are important as well. Playing at licensed US online casinos already gives you strong protections, but you can add another layer by choosing methods that limit how widely your card or account details are shared. Many players like to use e-wallets for this reason, since the casino only sees the wallet account and not the underlying card or bank information.

Finally, think about how you want to withdraw before you make your first deposit. Some online casino payment methods are deposit-only and others are not supported for payouts. If you know you want fast and simple withdrawals, it usually pays to start with a method that works in both directions, such as online banking, select e-wallets or a casino-branded prepaid card.

Best online casino payment methods for different priorities

With these factors in mind, here is a quick list as to which payment methods we prefer for those different reasons:

• Fastest withdrawals: E-wallets, prepaid options like Play+, and cash at the casino cage
• Highest limits: Online banking, ACH transfers, wire transfers and cash at the cage
• Easiest for beginners: Debit cards, PayPal and other familiar e-wallets
• Lowest fees: Online banking, ACH transfers, and cash at the casino cage

How to deposit to an online casino

It is easy to make a deposit at an online casino. Just follow these steps:

1. Find the deposit button. Usually, this is easy to find. Most often, it’s in the upper right-hand corner. It’s also almost always next to your current balance. And usually it is labeled with something like “Add funds,” “Deposit,” a plus sign, or a money sign. However, at a few online casinos, the deposit button is hidden inside a hamburger menu. Here is an example of what the deposit button looks like at FanDuel Casino. (Just please don’t judge me based on my balance!) Platforms like FanDuel use a shared wallet for their online casinos and online sports betting products.

At most online casinos, you will need to verify your identity and prove you are the owner of the banking method before you can make a deposit (and you definitely need to before you make a withdrawal.)

2. Choose deposit method and amount. Enter the amount you would like to deposit and choose one of the methods provided.

3. Confirm deposit. Provide your payment details and then click or tap the screen to confirm the transaction.

4. Start playing. The funds will arrive instantly and be reflected in your account balance.

Note that for a few online casino deposit methods, you will have the additional step of physically going to a location, such as the casino cage or a PayNearMe vendor.

How to withdraw at an online casino

Withdrawing your funds at an online casino is similar to making a deposit and just as user-friendly. Here are the steps:

1. Find the withdraw button. This is harder to find than the deposit button, unfortunately. Generally, if you find the button with your profile picture, it opens up a variety of settings and logistics. That is where you find the withdrawal button. Again, here is an example from FanDuel Casino:

2. Choose withdrawal method and amount. Enter the amount you would like to withdraw and choose one of the methods provided. (Note: some options grayed out in the screenshot below because of the pitiful balance I have. Also, notice that there are fewer withdrawal methods than deposit methods. This is typical at online casinos.)

3. Confirm withdrawal. Provide your payment details and then click or tap the screen to confirm the transaction. At many online casinos, you will need to provide identity verification if this is your very first withdrawal.

4. Look for your withdrawal in your account. Online casinos almost always need some time to verify the transaction before the withdrawal can be processed. Usually this process takes less than a day.

Again, for a few online casino withdrawal methods, you will have the additional step of physically going to a location, such as the casino cage.

Are online casino payment methods safe?

When you use licensed US online casinos, the available payment methods are designed to be safe and secure. These sites operate under strict state regulations and must follow detailed rules about how they handle your money and your personal information. The biggest safety advantage usually comes from choosing a legal, regulated operator, rather than from choosing one specific payment method over another.

Regulated online casinos use encryption technology to protect every transaction from your device to their servers. That means your card numbers, bank details and personal information are scrambled and unreadable to anyone who might try to intercept them. Reputable operators also work with established banks and payment processors that use their own fraud monitoring systems to watch for suspicious activity.

In most states, operators must keep player funds separate from company operating funds. This helps ensure that the money you deposit and the winnings you withdraw are protected, even if the business has financial problems. Licensed casinos also have to verify your identity and age, which can feel inconvenient but is an important safeguard against fraud and underage gambling.

You can add another layer of protection by choosing online casino payment methods that limit how widely your financial details are shared. Many players prefer e-wallets because the casino only sees the wallet account information and not the underlying card or bank account. Others like using online banking or ACH directly, since that keeps all transactions within their existing banking environment.

What if I experience a data breach or another issue with my money?

Once again, this is why we only recommend licensed and regulated US online casinos. If you have any kind of an issue there, you are protected by consumer protection laws and by the strict regulations of the state. You can reach out to the regulatory body in your state (such as the New Jersey Division of Gaming Enforcement) to resolve the issue.

Offshore casinos do not offer this protection, which is why we do not recommend playing on them.

Promoting responsible gaming with your banking method

Responsible banking habits are part of staying safe as well. It is often better to use debit, online banking or prepaid options instead of relying on credit cards that can encourage overspending. Setting your own deposit limits, tracking your gambling transactions separately from everyday spending and regularly reviewing your bank or card statements can help you keep your play under control. If you ever feel pressured to use unusual payment methods or to send money to an unlicensed offshore casino, it is a strong sign that you should walk away and choose a different site.

Online casino payment problems and declined transactions

Even at legal US online casinos, online casino payments can sometimes be declined. A failed deposit or withdrawal request can be frustrating, but in most cases the issue comes down to a simple mismatch or a rule set by your bank or payment provider. Understanding the most common causes can make it easier to fix the problem and choose the best online casino payment methods for your situation.

Common reasons online casino payments fail

• Your bank or card issuer may block gambling transactions for that particular card, especially if you are using a credit card.
• The billing address, ZIP code or other details you entered may not match the information your bank has on file.
• You may have entered an incorrect card number, expiration date, security code or bank routing and account number.
• There may not be enough available credit or funds to cover the deposit or the minimum hold required by the bank.
• The payment method you selected may be approved only for deposits and not for withdrawals at that casino.
• Your casino account may not be fully verified, which can cause delays or denials for both deposits and cashouts.

What to do if your casino deposit is declined

If a payment fails, the quickest solution is often to try a different type of online casino payment method. Many players have better success with online banking, ACH transfers, e-wallets or casino-branded prepaid cards than with traditional credit cards. It is also a good idea to double check that your name, address and other account details at the casino match your bank or card records exactly.

You can usually review your bank or card statement to see whether the attempted deposit shows up as a pending transaction. If you see a charge that you do not recognize or a pending hold that concerns you, you can contact your bank or payment provider directly and ask how they handle online gambling transactions. Some banks will allow these payments if you confirm that you recognize the merchant, while others choose to block them entirely.

If you continue to have problems, you can reach out to the casino’s customer support team through live chat, email or phone. The support team can confirm whether the payment reached their system, whether there are any holds related to identity verification and which online casino payment methods tend to work best for players in your state. In many cases, switching to a different approved method solves the problem and allows you to fund your account and withdraw your winnings without further issues.

Finally, if you are still dissatisfied, you can reach out to the government agency that regulates gaming in that state. For example, in MI, you would reach out to the Michigan Gaming Control Board.

Payment Fees & Time Limits

Most US online casinos do not charge fees for deposits or withdrawals. However, a fee may be charged on wire transfers. Some methods come with associated fees, too. For example, PayNearMe often charges fees for its service. The fee can range from $1.99 to $3.99 per transaction if you want to make a cash payment at a local store, such as CVS or 7-Eleven. Meanwhile, Play+ payments are free, but it charges a $2 fee for ATM withdrawals or e-check transfers to your bank account. If Pay by Phone online casinos ever become a reality, those will also likely involve fees.

You will need to be verified before you can make payments at an online casino. Some operators may be able to verify you automatically using the details you entered on the sign-up form. However, you may need to supply additional documents to complete Know Your Customer (KYC) checks. If so, a scan of your driver’s license and a recent household bill should suffice.

Any gambling profits are deemed to be taxable income. You will need to pay federal and state taxes on gambling winnings, but only if you end the year in profit from all gambling activities. Losses can be deducted from wins for tax purposes, so you will only face liabilities if you end the year in the black. If you win $1,200 or more from online slots, an online casino should send you a Form W-2G, and a corresponding copy is sent to the IRS, ensuring it has a record of your larger wins. It is helpful to maintain a record of wins and losses, as that will make it easier to compile your tax returns.

The table below breaks down the minimum deposits and the times associated with deposits and withdrawals at each of the main online casino banking options.  However, note that these are general guidelines. Individual online casinos may have slight differences (a different minimum deposit or a longer processing time, for example).