USA facing eCheck casinos are almost nonexistent, which makes them a scarce deposit option. In this article, we’ll discuss the nature of the eCheck, why it’s rarely used for online gambling transactions, and additional deposit options that may be available. After all, finding casinos to accept U.S. players is difficult enough without having to worry about which method you’ll use to fund your account.
Definition of an Electronic Check
An echeck—also known as an electronic check—is the virtual version of a paper check. They allow money to be transferred directly from a bank account, and they often come with a tracking number similar to their paper counterparts.
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Advantages and Disadvantages
In this section, we’ll be looking at some of the advantages and disadvantages of paying by eCheck. First, let’s look at the positives of using an eCheck:
- Clearance time for eChecks is faster than paper checks (an average of four days versus seven to ten days).
- Lower processing costs for the receiving party.
- Lower billing costs thanks to reduced administration and invoicing.
And now for the negatives of using an eCheck:
- Receiving party must often wait for the check to clear before allowing access to services.
- Just like a paper check, it can bounce due to insufficient funds.
- An eCheck payment can be disputed by the issuing party up to 60 days after the check was issued. If this happens, the bank issues a charge-back against the accepting party’s account similar to a credit card transaction charge-back.
US Gaming Sites Accepting eChecks
When it comes to USA facing eCheck casinos, players have few options. In fact, I couldn’t find a single US-friendly site that offers table games and/or slots and also accepts eChecks as a method of deposit. Based on my initial research, players in other countries should also expect to encounter similar difficulties.
The lone U.S. site I found that currently accepts eChecks is Ultimate Poker. While they only offer one form of gambling and require players to be physically inside the borders of Nevada, they are happy to accept both physical and virtual personal checks.
They impose an initial limit of $100 on eCheck deposits until a history is established with the player. After that, up to $500 can be deposited per transaction. Once the transaction has been made, players can use the money immediately, although additional deposits are delayed (24 hours for checks under $100 and four to five days for larger amounts).
Why eChecks are a Scarce Deposit Option
When compared to options that allow for an instantaneous transfer of funds, eChecks are a major hassle for online casinos to deal with. If they wait days for the check to clear, the player’s initial enthusiasm may diminish. If they decide to allow play before adequate funding has been verified, there’s always the possibility of it bouncing. In either case, it’s simpler to pass over e-Check gaming in favor of other deposit methods.
Alternate Deposit Options for Online Players
So what happens if your casino of choice won’t accept an eCheck as a viable deposit method? Luckily, there are a number of ways to get money into your account, and some of the leading options are listed below. Keep in mind, however, that acceptable forms of payment vary from one casino to the next. When in doubt, email the casino or visit their website and click on the “cashier” icon.
- Personal Check – Most casinos no longer offer this option, but a thorough search should turn up a few options (Ultimate Poker, for example). With this deposit option, the player simply writes out a personal check and mails it to an address provided by the casino. The downside is that the check should take a week or more to clear, and there’s always the chance that it gets lost in the mail.
- Wire Transfers – Visit a wire transfer agent such as Western Union and present them with the money you wish to send to the casino (plus a small fee). They will then transfer it to the intended location. Some US-friendly casinos still accept this method, although lazy players won’t be thrilled about having to leave their house and journey to a physical location to make the transaction.
- Credit Card – One of the most common forms of depositing money to casinos for non-US players. It should be noted, however, that recent legislation by various states to allow online gaming within their borders may lead to an increase in the number of banks willing to accept credit card transactions involving online gambling.
- Debit Card – These cards can either draw funds directly from your bank account or be loaded with a specified amount of money. The latter option is recommended for gamblers, as there’s no danger of overdrawing at your bank.
- Neteller – A major player in the online gambling industry, Neteller once processed transactions for 80% of world’s virtual gaming merchants. While still prominent, they were forced to cease such transactions in the United States after the passage of the Unlawful Internet Gambling Enforcement Act, an event that caused them to lose nearly $200 million in annual revenue over a period of four years. Players outside the U.S. are still able to enjoy their services and deposit money directly from their bank account.
- Skrill – Formerly known as Moneybookers, this business allows payments to be made to various merchants over the Internet. U.S. players can’t use their services, and certain countries in the European Union are also blocked. Payment can be made from a bank account or Skrill card, and over 40 forms of currency are supported.
- ECO Card – Money can be sent in 47 different currencies, and the physical version of the card is accepted everywhere that MasterCard is welcome. No bank account is required, and there’s not even a credit check to sign up.
- Click2Pay – Deposit funds into your account via credit card or check and then conduct transactions with thousands of online businesses. While U.S. customers are accepted, Click2Pay is primarily used in other parts of the globe.
- Instadebit – Allows monetary transfers from your bank to your casino account. This service is not available to U.S. customers, however, and their software prevents Americans from even accessing their website. Canadians have access to this, and instadebit is the best eCheck alternative.
I hope this article on USA facing eCheck casinos has been helpful, especially when it comes to explaining why they’re a scarce deposit option. Fortunately, you have a number of alternatives when it comes to putting money into your casino account, and this should increase in the coming years thanks to the decision by several states to encourage online gambling within their borders.