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It is a well-known fact that US players across online casinos, compared to European players for instance, have a much lesser choice of suitable payment methods to use, but ACH is one they should consider using. This is a traditional payment solution, working through the US banking system, which allows users to make the most convenient transactions. Across US casinos, it is mostly used as a withdrawal method, but that doesn't mean that it doesn't process deposits, too. Considering the lack of better options, continue reading to discover how the solution works and how to use it for deposits and withdrawals at your favorite casino. Why decide to use ACH as your payment solution across US casinos?

The Legality of Online Gambling in the USA

As with most other matters, online gambling regulation in the US is quite complex. Since regulation goes on a state-to-state basis, many are left confused as to whether they can engage in the activity or not.

The truth is, with the Unlawful Internet Gaming Enforcement Act of 2006, players who were previously accessing online gambling sites were impeded to do so, operators and software developers were forbidden access in the country, and the situation was quite difficult for all parties involved. Banks, financial institutions, and even the DOT (Department of Treasury) asked to develop the rules of enforcement for the Act put a fight to repeal it, saying it was difficult, almost impossible to do their job properly. Yet, what was done, was done. 

But then, years later, states were given the right to choose whether they wanted to regulate online gambling within their borders. Utah and Hawaii banned gambling, but there were states that decided to legalize it and properly regulate it. Nevada was among the first, but soon Connecticut, Michigan, West Virginia, Delaware, Pennsylvania, and New Jersey followed. Rhode Island is expected to launch its legal online gambling market in 2024, too.

Therefore, as a player from the US, if living in states with legal online gambling, you can access plenty of legit US online casinos. Among the top choices, we can mention Uptown Aces, Casino Max, and Red Stag.

While previously, the only software developers that were providing their games to the US markets were BetSoft, RTG, Saucify, and Rival, among others, today, you have a variety of games to choose from and play, delivered by giants that managed to acquire licenses to offer their games in the respective regulated US markets.

Among them, we can mention the Live Casino leader Evolution and slots masters NetEnt and Red Tiger. In 2022, even Play’n GO secured a license and entered the USA for the first time

With that many casinos and games choices at your disposal, you must be wondering how to get started across US casinos, and which method to use, to get the most seamless online gambling experience. We've got the right one for you, ACH. This is a traditional payment solution that has found its place on the list of accepted methods across most if not all, US casinos. That’s not the only reason why you should consider using it; continue reading to find out all about it and how to make the smoothest deposits and withdrawals with it across US casinos.

Why Start Using ACH at a US Casino?

Automated Clearing House is a solution that has been used by US citizens for ages. It is one of the oldest and most trusted traditional payment methods available in the States, with a system that has been developed by the Federal Bank!

As such, it is regulated by the Federal Reserve and even the National Automated Clearing House Association. As of 2002, it is led by the VP of Operations and Finance, Julie Sauer, President Rick Edelen, and the CEO James L. Palppert, and goes by the name ACH Payment Solutions.

Now, what the solution does is, it provides merchants, or in our case online casino operators, with an e-payment system that allows them to electronically debit money to users, or in our case players, via direct bank transfer, directly to their personal bank accounts. That’s why it is mostly used for withdrawals among US players; the casino just gives the solution permission to deduct the requested amount of money from its account and transfer it to the player's account. The process goes the other way around, too, meaning the player can allow it to deduct money from their account and transfer it to the casino's bank account, and that's why the solution is offered for deposits, too.

The best part is, that you don’t need to create an account with it to use it, but all you need is an active bank account with any US bank. And, you need to have your online banking profile up and running, in order to make digital payments with it. It works through the standard US banking system, and that’s why its default currency is the US dollar. It links you, the online casino operator, and your bank accounts with ease, making sure the transactions between you go as smoothly as possible.

The only bummer is, that due to the processes involved in the background and the many approvals and permissions that need to be given by the sending/receiving parties, the solution takes 3 to 5 business days to process transactions. That’s another reason why players prefer it for withdrawals as opposed to deposits. But considering the safety, security, and integrity it offers, it is still a great solution to consider using, especially in case of a lack of better deposit options. Deposits with it do not take as long as withdrawals, but are still not instant; nevertheless, using the solution for deposits, at least you’ll know that your money is handled in the safest and most secure way possible, given the fact the solution is properly regulated and works via the US banking system.

To use it, you just have to request a transaction via it by entering your online banking profile or request a withdrawal with it by entering your banking details. As simple as that. We'll actually go through these procedures separately next so that you know the exact steps you need to make when transacting with it across US casinos.  

How to Deposit and Withdraw Across US Online Casinos with ACH?

Now that you know how useful and easy to use the solution is, it is important to know that it will be your option for deposits and withdrawals across many US casinos. Here at LCB, you’ll find at least two dozen legit sites to choose from and join, which accept players from the US and offer it.

So, after you choose the right site for you to join, make sure you go through the following steps to make a deposit with ACH:

  1. Choose the solution as your payment method on the Deposits/Cashier page.
  2. In the pop-up, enter your bank account details and how much you wish to deposit.
  3. The solution will deduct the money from your bank account and transfer it to the casino's bank account, upon your permission.

The money will reach your casino balance as soon as the proper permissions are given. When it comes to withdrawals, while they take 3 to 5 business days to be processed, you can use the solution to request the transfer of a large amount of money. That’s the reason why US players choose it over any other payment method, especially if they’ve won a jackpot prize! With it, you can withdraw all your jackpot winnings all at once! With other methods, the money is usually transferred to players in batches, but with ACH, you get them all at once!

The procedure is pretty much the same, only this time you choose the solution from the methods on the Withdrawals page, specify how much you wish to withdraw, wait for the casino's approval, and then sit back and relax, knowing your money will reach your bank account in up to 5 business days, safely.

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3.3 / 77 votes


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New Customer Offer. T&C’s Apply. 18+. $10 free play for selected casino games + $4 worth of money bonus that shall be credited to the player’s bankroll which can be used on 888poker and 888casino + 6 Tournament Tickets with a value of $1 each. The free play granted under the Promotion may be used on the following casino games at Panda Manga; Party Pigs; Casino Reels; Cafe de Paris; Bella Italia; Ultimate Genie; Dino Jackpot Stampede; Irish riches; Steampunk Nation; Saved By the Bells; Pirates Millions; 4th of July; Easter Bunnies; American Roulette; Classic Blackjack.

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Is ACH a payment method available in the US only?

Yes, this is a payment method that functions through the US banking system and you need to have an active bank account with a US bank to use it. That’s why it doesn’t function in other countries; however, if you are not a US player and you wish to use a similar service, do your research. You’ll certainly find similar service providers that you could use.

Is there a Customer Support I could get in touch with in case I experience some issues with my transactions?

There sure is. When you go to its official website, you will find a toll-free line 855-339-9550 on the Contact Us page, as well as the email address you could use to get in touch with its expert Support team.

Can I cancel a transaction I made with the solution?

Sure. Given the fact it works through the standard US banking system, all transactions with it are duly recorded and can be canceled or reversed whenever proper documents are provided. So, in case there is a transaction that went wrong, the funds are returned to the sender.

How many US casinos currently offer ACH?

Most online casinos accept ACH since this is one of the oldest, most convenient US-based payment methods you’ll find. In case you need a number, you can rest assured that at least 20 sites will offer it, most of which are reviewed here at LCB.

Does ACH offer any other useful services?

Indeed, it does. When you visit its official website, you'll see that ACH Payment Solutions offers all kinds of financial services, such as electronic payment solutions, recurring bill payment services, online bill payments, and credit and debit card processing, among others.
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