ACH: Pros & Cons
- Low fees for transactions
- No third-party verification
- Safe and secure
- For deposits and withdrawals
- Comparably slow transaction times
Sign-up process for ACH - a few easy steps
We’re going to show you how to use an online casino that accepts ACH payments, and what you can do to enable the ACH e-payment system. If you’re in the US, you can follow these few easy steps to begin using ACH to make deposits and withdrawals. An important first step will be to find out if your favorite online casino accepts ACH.
Is ACH accepted by the online casino?
Your first step would be to establish if your online casino of choice accepts ACH deposits and withdrawals. You can visit the operator’s website and look for the cashier section. Go to the deposit section, and look for the ACH logo. After you’re happy that your casino provides ACH support, you can move to create your online casino account. You can look at our operator reviews if you want more information on online casinos that support the ACH payment method.
Give your bank a call
You can now contact your bank to set up ACH transfers to and from your preferred online casino operator. The bank will give you a “routing number,” which you can keep nearby. Once you want to make a deposit, the online casino will prompt you to insert your routing number and your check account number. You can now make deposits and withdrawals with ACH from your online casino.
Making a payment with ACH - it’s effortless
We’ve mentioned this in brief, but we want to give you a more detailed guide to navigating payments on an ACH online casino. The key is to get the right online casino operator for you.
Who’s accepting ACH?
You should start by ensuring that your online casino of choice accepts ACH transfers. Even though the system was very popular a few years ago, it has since fallen off a bit as other methods, such as credit and debit cards, became available. Some online casinos now accept Bitcoin, and we tell you about the best casinos with Bitcoin in our guide. However, the ACH system does have a 40-year history, is well-established, and is still a viable method of making payments to an online casino. If you know your online casino has the facility, you can proceed to the next step.
Create your online casino account
Once you’ve found your perfect casino of choice, you can create an account. Most online operators will require you to provide some information, such as your email, name, mobile number, and address. You will most likely also need to verify the account. The online operator will take you through a brief KYC or know-your-customer process where you would need to provide some documentation, such as a government-issued ID and proof of residence.
Make a withdrawal or deposit
You can now deposit with the ACH system. Log into your online casino that accepts ACH payments account, and on the dashboard, look for the cashier section. Choose the deposit or withdrawal option, select the ACH option, select the amount, and click the deposit button. That’s all there is to it.
Withdrawal and deposits with ACH: average time scales - reasonable times and very secure
If you decide to use online casinos with ACH as your preferred payment method, you can look forward to making secure payments, with some compromise on the speed, especially when withdrawing. Let’s look at the speed of the ACH e-payment system in more detail.
Deposits - decent speeds
Deposits are dealt with efficiently on the ACH network. After submitting your deposit, it will usually reflect almost instantly, taking up to 10 minutes. It depends on the network that the casino utilizes for the deposit. An online casino with an ACH deposit option performs well compared to other fast payment methods. THe ACH network will take on average the same time when compared to deposits made by credit cards or eWallets, like PayPal. ACH is no slouch when it comes to deposits.
Withdrawals - some longer times to be expected
Withdrawals are a different kettle of fish when using the ACH system. When you request a payout from the ACH online casino, you should expect the withdrawal to reach your bank account in about 2 to 10 business days. It can be slower compared to a withdrawal with PayPal, for example, which usually processes within 48 hours or quicker. If your withdrawal does not reflect in your checking account after 10 days, you should contact your operator’s customer service to follow up.
We’ve created a handy table detailing the payment limits, timeframes and fees you can expect when using the ACH network at your favorite online casino. Make sure that you check the terms and conditions of the provider, as they may set different limits as we included those we included in the table.
Please note that we’ve used N/A where we were not able to confirm details with the operator.
| Typical Min./Max. Deposit Amounts | Typical Min./Max. Withdrawal Amounts | Deposit Timeframe | Withdrawal Timeframe | Fees |
| $10 - $5,000 | $10 - N/A | Instant - Up to 10 minutes | 2-10 working days | No/Low fees |
ACH verification requirements - here are the documents required
The ACH payment system is known for safety and security. It is a well-established network, and it has proven to be reliable over the years. There are some verification requirements from the online casino before you can use the ACH payment system.
Licensed online casino
The player could first establish whether the online casino operates legally in the US. They should have a gambling license issued by the appropriate state gambling regulation authority. The player should also be of legal gambling age, as the state’s laws prescribe. The player can then create their account. Each online casino operator’s process is different, but most could ask the player to provide a government-issued form of ID, such as a passport, and proof of residence, such as a lease.
What happens during account verification?
Verifying the player’s online casino account could take up to 48 hours. The operator sends a link to the player’s email to confirm their email address. After this step, the ACH online casino account will be created and verified. Additionally, most online operators will need authorization before each deposit and withdrawal, adding another security step to the process.
Our top picks for ACH casinos
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The history of ACH - a well-established network
To help shed some light on how this vast network came to be, here’s a brief overview of where ACH began and where it is now. Let’s start way back in the ’60s.
The move from paper checks
During 1968, a group of Californian banks formed SCOPE or the Special Committee on Paperless Entries. As the name suggests, it was created to investigate a way to move away from the growing number of paper checks that had to be processed, fearing that the volume would overwhelm the system. This movement led to the formation of an ACH association in California, with other ACH networks also forming across the US. In 1974, NACHA was formed to facilitate these ACH networks.
Government payment system and beyond
In 1975, the US government, in the form of the Social Security Administration, started to use the ACH network in the form of Direct Deposits to make SSA payments, giving the system a massive boost. In 2001, American citizens could move away from writing checks altogether as they could initiate ACH payments over the internet and phone.
Same day ACH - another big step
In the last couple of years, Nacha implemented more groundbreaking changes to the ACH networks. Same Day ACH debuted in 2016 and expanded in 2017, influencing the future deposit speed of ACH online casinos. The ACH network has never stopped upgrading. March 2020 saw the daily transaction limit go from $25,000 per day to $100,000.
ACH compared to other providers - it holds up well
It’s clear to see that the ACH payment system is set on safety. We’ll compare this aspect, and a few others, to some other popular payment methods available on the market.
PayPal
PayPal does provide a competitive edge when it comes to withdrawal speed. Once a PayPal withdrawal is initiated, you can expect the funds in your PayPal account before 48 hours, compared to up to 10 days when you make an ACH online casino withdrawal. However, ACH has the upper hand when you account for fees. You’ll likely not be charged any fees by the bank or the online casino when making payments. Paypal will charge you about 3% to fund your PayPal account with a credit card.
Visa cards
If you choose to make Visa card payments, you can look forward to convenience. Most players already have a Visa card in their wallet, which makes the process easy. With ACH, you would have to set up the system first with your bank before you can make a payment. Visa card withdrawals also offer faster withdrawal speeds.
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Three essential facts about using ACH - transfers between check accounts
Before you decide to start using ACH online casino payments, take a minute to read through these three vital things about ACH.
The principle of the ACH network is that funds move directly from one checking account to another, facilitated by a banking network. The process provides an almost unmatched secure system. Banks provide a very high level of safety and security, and financial regulations that govern banking institutions also ensure that banks abide by strict measures.
The ACH payment system is only available to players in the US. To use the payment system, you would need a valid check account at your bank. The ACH system will only work between two checking accounts. However, opening a checking account shouldn’t be difficult as they are available nationwide.
There’s a minimum transaction
In most cases, there is a minimum transfer limit when you use the ACH payment system. A popular minimum amount set to use the network is $50. You should ensure that your checking account has enough funds when you want to deposit.
Conclusion - safety to the highest standards
After our journey through ACH payments, we can safely say that the system offers players a high level of protection. Your banking institution facilitates these payments, which go directly from one check account to another. Deposits are almost instant, and if you can accept a bit of a longer wait for your withdrawal, you’ll receive safety and security in return. You can look at our operator reviews to see which operators offer ACH, and also have a look at our ACH online casino ratings.
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ACH online casino FAQ
✋Where can I use the ACH payment system?
Our review of the ACH online casino payment system looks at all the aspects of this established payment method, including where it is available. You can read our review to learn more about the ACH system.
❓Are there any operators that support ACH payments?
Each online casino operator differs not only with the games they offer but also with the payment methods they provide to players. In our operator reviews, we look at the most important aspects of each operator, carefully scrutinizing the payment methods as well.
🔓Are ACH payments safe?
Every payment method has specific security standards. ACH online casino payments have unique safety protocols which we discuss in our detailed review of the payment method.
⏱️How quickly will my ACH withdrawal take at an online casino?
Withdrawal times vary depending on the method of payment used, and this may impact which one you choose to use. If you want to take a look at where cryptocurrencies stand in terms of timeframes, you can read our top casinos with Litecoin guide to more information on this particular method.
💁Can I play live casino games with ACH?
We do look into the types of games available at online casinos, like table games, slots, and live casino games. If you're looking to play live casinos with crypto, ACH, or any other payment method, please have a look at our many guides and reviews.
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