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An eCheck online casino allows online bank transfers directly to and from a player’s checking account via an Automated Clearing House (ACH), usually VIP Preferred. That means the best eCheck online casinos make this process fast and simple. Once set up, making deposits and withdrawals via online bank transfer takes just a few seconds.

Top-Rated eCheck Online Casinos in June 2024

All of our picks for the best online casinos offer online bank transfers via eCheck/ACH. While your state doesn’t have real money online casinos, you can win cash prizes playing casino games like slots, blackjack, roulette, and more at the social and sweepstakes casinos below. Redemption via eCheck is available at all these sites.

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How eCheck/ACH Works at an Online Casino


Visit the Cashier

Whether you’re making a deposit or withdrawing money via eCheck, your first step is to visit the “Cashier” section of the online casino. At sweepstakes casinos, the cashier section has you purchasing the site’s coins (usually Sweeps Coins and Gold Coins) or redeeming them for a cash prize. At a real money online casino, money is going directly to and from the checking account.


Set the Transaction Amount

You don’t want to get an overdraft fee period. But if you’re overdrawing a checking account to gamble, that’s a major sign of a gambling problem. Make sure you have plenty of money in your checking account compared to the amount you set for a deposit. eCheck casino deposits are instant.

Of course, if you’re withdrawing money, an overdraft isn’t something to worry about. Also, keep in mind that, while usually under 24 hours, an ACH bank transfer can take up to 72 hours to complete.


Log In to Bank or Provide Routing & Account Numbers

The next step depends on the online casino. Here are the two possibilities:

  • Log in to Your Bank: Ideally, the online casino will utilize VIP Preferred, which allows players to simply log in to their online bank account to verify the transaction.
  • Provide Account & Routing Numbers: This will take a couple of extra minutes, but it’s not a big hassle. To utilize eCheck, the player may need to provide the account and routing number of their checking account. Both numbers are presented on personal checks.

Start Playing

As mentioned, eCheck deposits at an online casino are instant. Once the transaction is completed, you’ll have access to all the casino games, including slots, table games, live dealer, and beyond.

Is eCheck a Good Withdrawal Method?

Yes, eCheck is a good withdrawal method for online casino players. Almost all online casinos offer it as a banking option, and most players already have a checking account. That means they can skip the hassle of opening a new account. It’s also the payment method for multiple fastest payout online casinos, making it enticing for players who like their winnings quickly.

Should You Make eCheck Casino Payments?

An eCheck is a useful payment option at online casinos, but there are also a couple of minor drawbacks.

Online Bank Transfer Pros & Cons

✅ Pros:

✅ Online banking allows you to make an instant transfer from your checking account to your online casino account.
✅ Cash out winning directly to your checking account.
✅ No fees for using eChecks through a provider such as VIP Preferred.
✅ eChecks are secured via 128-bit encryption, so they are safer than writing a paper check and handing it over to a store clerk.

❌ Cons:

❌ No extra layer of protection between your bank account and the online casino transaction, which is offered by intermediary web wallets like PayPal and Play+.

Is It Safe to Use eChecks at Online Casinos?

An eCheck is one of the safest casino payment methods. It is certainly a lot safer than writing out a check and giving it to a store clerk. An eCheck is paperless and secured via 128-bit encryption, which prevents unauthorized access when the information moves from your bank to the online casino. These security benefits apply to the option to simply log-in to your online banking account to initiate the transfer.

However, eCheck deposits and withdrawals do sometimes require you to enter your account number and ABA routing number on a web form. That can take a little bit of time for the initial deposit, but not after that. Once it’s added to your account, you can initiate deposits and withdrawals seamlessly.

Why Is My Bank Declining Gambling Payments?

Most major banks allow payments to online gambling companies, as online casinos, sportsbooks, and racebooks are now legally available in many states. However, Capital One, Huntington Bank, and Union Bank have been known to decline transactions with online wagering companies.

However, if a payment is declined, check for the normal hiccups. For example, you may have entered your details incorrectly or have insufficient funds in your account to complete the payment. Another potential reason for payments being blocked is that the bank suspects fraud.

Call your bank to check whether there are any issues with your account. If the bank suspects fraud, confirm that you would like to make the payment and that your details have not been stolen. If the bank has put an official block on payments to gambling companies, try funding your account via a service like PayPal.

Other Payment Methods vs. eCheck at Online Casinos

eCheck online casino transactions compare well to other options. It offers a low minimum and large maximums, and withdrawal time range from instant to 48 hours.

Payment MethodDeposit MinimumDeposit TimeWithdrawal Method?
Apple Pay Casinos$10InstantYes
Bitcoin CasinosNo MinimumInstantYes
Cash App Casinos$10InstantYes
Credit Card Casinos$10InstantNo
Debit Card Casinos$10InstantYes (at select casinos)
eCheck/ACH Casinos$5-$10InstantYes
Mastercard Casinos$10InstantDebit Only (at select casinos)
Neteller CasinosNot at US casinosN/AN/A
PayPal Casinos$5-$10InstantYes
PayNearMe Casinos$10~15 MinutesNo
Play+ Casinos$5-$10InstantYes
Skrill Casinos$10InstantYes
Venmo Casinos$10InstantYes
Visa Casinos$10InstantDebit Only (at select casinos)
Wire Transfer Casinos$100 - $2,5005 - 7 Business DaysYes ($1,000+ minimum)

Should You Use an eCheck at an Online Casino?

Yes, players should use ACH payments at an online casino. It is a simple, fast, and secure option that offers higher payment limits than many alternative methods. Winnings go directly to a player’s checking account, while web wallets like PayPal and Play+ cards require players to initiate a transfer from the web wallet to their checking account. That extra step is good for added security, but it isn’t as convenient. However, some web wallets like PayPal and Play+ offer instant withdrawals, which is relatively rare for VIP Preferred transactions.

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About the Author

Martin Green

Martin Green

Martin Green is an experienced writer with a specialist focus on casino gaming. He began covering the online casino industry in 2014, providing regular content for several publications, including USA Today, the Detroit Free Press, the Cincinnati Enquirer, the Arizona Republic, the Miami Herald, and the Kansas City Star. He now writes reviews, guides, and features for and other Catena Media sites. Martin is also a professional soccer handicapper who provides picks for CBS.
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