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Online casino players in the US today have many modern payment methods to choose from, current solutions that provide far faster transactions, but still, many choose to use the traditional banking method, ACH. This is a solution directly tied to the US banking system and that’s why many players trust it better compared to innovative solutions. With it, players can fund their online casino accounts and cash out winnings to their bank account, via a system that guarantees safety and efficiency. If it is a method that would interest you, stay with us as we’ll walk you through all the details about it. What is ACH and why choose it as your payment method across online casinos?
About ACH
Offered in the United States of America for decades, ACH (Automated Clearing House) is an e-payment system that works through the traditional banking system in the country. Initially, it was launched by the Federal Bank, as a solution that would provide users with the smoothest transactions online, processed through banks. That's why it is regulated by the National Automated Clearing House Association and the Federal Reserve.
As of 2002, it is known under the name Automated Clearing House Payment Solutions or ACHPS short, led by ex-employees in well-respected financial houses across the States, experts in finance who wanted to further improve the solution and make it the most convenient for US users to use.
What it does is, it allows merchants to electronically debit money to clients via direct bank transfers. The merchant needs to give the proper authorization to the system so that the money is deducted from their bank account and transferred to the client’s account. It works the other way around, too, the client can also send money to the merchant, in a similar fashion.
Since it has been functioning for ages in the US, naturally, it is a solution offered across many US casinos. Players use it for deposits, but it is more popular as a withdrawal method among US players, and that's why you'll certainly find it across most, if not all, US casinos for withdrawals. The main reason why is the fact that the solution takes 3 to 5 days to process transactions. And while players are more than prepared to wait as long for their winnings to arrive directly in their bank account, they are not so enthusiastic about waiting up to 5 days to start playing their favorite games.
Nevertheless, the solution is incredibly easy and convenient to use, since you never have to create an account with it to use it. You avoid going through extensive and exhausting registration procedures and you just request a transaction via it through your online banking profile, but more on that later. On that note, it is important to remember that, considering it is in direct collaboration with banks, the only condition you must meet to be eligible to use it is to have an active bank account with a US bank. The same goes for the casino operator; if one of you does not have such an account, the transaction won’t be successful.
Assuming you’re playing at a US casino, there probably won’t be any problems, especially if ACH is explicitly listed as an accepted payment method. So, if interested in using it, continue reading to figure out how to get started with it to make the safest and most convenient transactions using it across US casinos.
Getting Started with It
You already learned that ACH is a safe solution to use, regulated by one of the top US regulatory bodies. Therefore, you know your funds with it would be handled in the safest way, but how? How does the solution work if you never have to register an account with it?
Well, it’s quite simple really. Since this is a solution that links you (the client), the online casino (the merchant), and your banks, it functions through your banking system, meaning all you need to request a transaction with it is to log into your online banking profile. That is, if you’re making a deposit. For withdrawals, it’s even easier; you just have to select it as your payment method and enter the amount you wish to cash out, and the casino will take it from there.
Naturally, you both need to provide permissions upon request, regardless of whether you’re requesting a deposit or a withdrawal. Once the proper permissions have been submitted, the solution will ensure to deduct the money from the respective bank account.
As you can see, ACH is incredibly easy to use, so all you have to do now is choose a proper casino to join to start using it right away. That’s why next, we’ll take you through that procedure.
How to Deposit at Online Casinos with ACH?
Even though we just explained how the actual transaction is requested, we want to make sure you see it in casino terms, as well. First and foremost, you need to find a legit US casino to join which accepts it. Now, as said, even though a traditional method, ACH is offered across most, if not all, casinos that cater to US players. Not only national but international, too! Considering how the online gambling industry in the US is positioned for growth, even though already quite widespread, new options will keep on appearing! So, check out a few casino sites and find the one for you. Register an account with it and you’ll be ready to make your first deposit with the solution.
To make a deposit with ACH, you’d need to go through the following steps:
- Head over to your chosen casino’s Deposits/Banking/Payments page.
- Look for ACH’s logo and press it, or choose Direct Bank Transfer.
- In the pop-up, enter your credentials to gain access to your online banking profile.
- Enter the amount you wish the solution to deduct from your bank account.
- Give your permission to the solution to process the transfer.
- Wait for the money to be added to your casino balance.
We said that the solution processes transactions in up to 5 days, however, it won’t take that long for deposits, don’t worry. It will take a while, sure, but it will be in less than 5 days.
How to Withdraw Winnings with It?
Withdrawals will take 3 to 5 days, that’s for sure, mainly because the casino, too, needs to go through a vetting procedure, to check whether your winnings qualify to be cashed out, meaning to see whether you have some uncleared wagering requirements if you claimed a bonus.
Nevertheless, ACH is a popular withdrawal method for US players, mainly because it can process large transactions. That’s particularly convenient for players who win a jackpot prize, as they can cash out any amount they won, all at once, not in batches like with other methods. This is one of the reasons why it is the primary choice for many US players.
As far as the actual withdrawal procedure goes, you just have to select it as your payment method, and since the operator's banking details will probably be pre-filled, you just have to specify how much you wish to withdraw. Once your request has been approved by the casino, the money will arrive in your bank account in up to 5 days.
Fees and Limits
While ACH is one of the most cost-efficient payment methods out there, it still comes with fees, which would depend on the banks involved in the process.
Usually, there's a percentage fee from 0.5% to 1.5% plus a flat fee per transaction from $0.20 to $1.5; again, depending on the banks involved. Considering other extra fees, depending on other factors that may be involved, the best thing to do is contact your bank to find out more about ACH transfers and any related fees.
As far as the casino goes, it won’t charge you additionally for choosing to use the solution. The fees imposed by the banks are the only ones you should ask around about.
Allowed Countries
Having read what you have, you’ve probably gathered that this is a solution that is only available in the US. Unless a US citizen with an active bank account with any US bank, you won’t be able to use it.
Since it functions in conjunction with the US banking system, the country restriction is fairly obvious. Therefore, if in need of a similar solution, make sure you consult with your bank to discover whether similar services are offered in your country.
Available Currencies
By default, since the solution is only available in the US, the US dollar is the default currency you would be using when transacting with ACH.
However, since it works through banks, foreign currencies would also be at your disposal, even though they’ll be subject to conversion fees. Nevertheless, they would still be your option, so make sure you check with your bank to discover more about which foreign currencies can be used and at what cost.
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FAQs
Does the solution offer Customer Support via phone?
Yes. In fact, there is a toll-free phone number you could use to reach its Customer Support, 855-339-9550, but you also have an email address you could try, the [email protected].
Will I be able to reach out to its Customer Support agents via social media platforms?
No, not really. The solution does not have a social media presence; we couldn’t find any profiles on popular platforms, and there weren’t any listed on its official website, so you can only contact the agents via phone and email.
Is ACH’s official website available in Spanish?
No, not really. The solution is only available in the US, and by default, its website is available in English only. Sure, many Latinos are living in the US who would love to explore its website in Spanish, but unfortunately, that won't be an option.
Is direct bank transfer the only service offered by ACHPS?
No; in fact, it offers many other services. If you explore its website, you'll see that plenty of other services are offered, such as electronic payment solutions, recurring bill payment, online bill payments, and debit & credit card processing, among others.
Can I reverse a transaction I made via ACH?
Sure. Given the fact it works directly through the traditional banking system in the United States, all transactions are recorded and that’s why it is easy to reverse them. The solution offers the functionality, so if something went wrong with your transaction, you can rest assured that you will be refunded.