Pros and cons of using a debit card casino site
Pro and Con
- Accepted at all good casinos
- Features high levels of security
- Card deposits work for getting promos
- Fast and free deposits
- Have to provide card details
- Use same funds as regular account
- Withdrawals sometimes problematic
Making a Payment by Debit Card – Step by Step
Debit cards are one of the top payment methods at online casinos. If you want to join an online casino with debit card, itâs easy as this:
All reputable online casinos with debit cards are free to join. Simply click on the Register/Join Now button and enter your personal details. Most
gambling websites
need to know which country/state youâre in, and if you register with a location not covered by that siteâs license, you wonât be able to join.
Know Your Customer (KYC) is a standard verification step if youâre gambling using a debit card. This involves sending a scan of a personal document (e.g. social security card, sometimes a utility bill) to the online casinoâs account team.
Make a deposit with a debit card
When you find an online casino with a debit card deposit option, itâll usually be the most popular payment method. Once youâve entered your card details, youâll then be able to deposit money and start wagering. Withdrawals are similar, in that there will be an option to âwithdraw fundsâ on your account page.
Average Time of Debit Card for Deposits and Payouts
Any players keen on gambling using a debit card should be aware that deposit and payout times can vary from casino to casino. Most U.S. online casinos that accept debit cards should provide instant deposits since the money youâre depositing into your gambling account is being transferred directly from your bank account. In other words, youâre cutting out the middle-man, so there shouldnât be any undue delay when using an online casino with a debit card.
U.S. online casinos that accept debit cards should also have the fastest payout times around, for the same reason. However, keep in mind itâs unusual to find any U.S. online casino that accepts debit cards with instant payouts. This is because the gambling site, and sometimes the bank who issued the debit card, have to run various security checks. Even so, when youâre gambling using a debit card, most
online casinos have quick withdrawals
that take around 1 – 3 days to process (but check with your casino just in case itâs longer).
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Debit Card Verification Requirements
Donât be surprised when using one of our recommended U.S. online casinos that accept debit cards for a withdrawal if youâre asked for proof of identity (again). This is a common practice, but especially with online casinos and
U.S. sportsbooks. Debit card issuers have their security protocols in place, too, and although the details of the process may change from one provider to the next, the principle is the same.
Typically, debit cards require less verification than credit cards, but that doesnât mean theyâre less secure. It just makes them more accessible and more convenient to use. Gambling using a debit card usually involves inputting a four-digit pin code (sent by SMS) whenever the card is used.
The History of Debit Cards
Today, there are many U.S. online casinos that accept debit cards, just as there are many debit card issuers. The First National Bank of Seattle created the first debit card in 1978, and issued cards to business executives with large savings accounts. With long-standing customers receiving the new card, the bank knew there would be few risks involved.
The First National Bank used cards in the same way as a check signature or a guarantee card, wherein the bank promised the funds would cover a transaction without the customer needing to check they had the relevant funds in their account. Plus, just like a check, the funds werenât removed from a customerâs account immediately, so there was a lot of trust on the part of the bank that its new debit card wouldnât be abused.
Then, in 1984, the first nationwide debiting system was implemented by Landmark. It was built on the ATM networks and credit card infrastructure already in place, which helped the system thrive and spread. By 1998, debit cards were far more popular than checks, and their use even began to rival credit cards.
Nowadays, whether youâre gambling using a debit card or grocery shopping, this method is the safest and most convenient way to handle your transactions at a low deposit casino.
Alternatives to using debit cards for casino gaming
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Debit Cards Compared to Other Payment Methods
Every payment has its pros and cons, and debit cards are no different. The most significant advantage of gambling using a debit card is the ease of transactions: deposits are faster than many other payment methods, and payouts are made directly into your bank account. Other payment methods may carry fees of around 2.5 – 5%, but you should always check before any transactions are made.
One quirk of debit cards is that you cannot spend money that isnât in your account. Unlike credit cards, which can be paid off within an agreed extended period, if youâre gambling using a debit card and donât have enough cash to deposit, you wonât be able to complete the transaction. Although in real-world situations, this could be intensely frustrating, when dealing with
USA online casinos
that accept debit cards this actually helps keep a tight leash on spending habits.
|
Debit cards |
Ewallets |
| Payout speed |
Usually within two to three working days |
Within 24 hours |
| Limits |
Between $10 and over $10,000 |
Between $10 and up to $5,000 depending on provider |
| Fees |
None applied by casino |
None applied by casino |
Most Popular Payment Methods
If youâre reading this article, then itâs a safe bet youâre interested in gambling using a debit card. As already outlined, there are distinct advantages to choosing U.S. online casinos that accept debit cards. Itâs one of the worldâs most popular payment methods for a reason, after all.
However, itâs not the only choice, and as a gambler and consumer, the decision is ultimately up to you. We would recommend gambling using debit cards but here are some other, perfectly viable options:
Gambling using PayPal and other eWallet companies such as Neteller is easier due to partnerships with various
new U.S. online casino sites. The best part is that these methods often donât involve huge fees.
Credit cards, notably
U.S. online casinos that accept Visa
and MasterCard, are equally common but often come with longer withdrawal times. Plus, card providers charge for some types of transactions. A cash advance will normally be charged at a higher rate than a purchase.
Lastly, if youâre determined to use any of our suggested
U.S. online casinos that accept MasterCard, you can rest easy that we put each through rigorous tests to ensure security and reliability.
Types of Debit Cards
As noted in our history of the debit card, they began as a convenient way to pay for goods and services as an alternative to checks. Nowadays, there are several types of debit cards available. From the credit card type, often given out by banks for current accounts to debit cards issued by credit unions, they all now operate in similar ways.
One innovation thatâs become more prevalent in recent years is the prepaid debit card. Often issued by big-name retailers in specific amounts, theyâre similar to gift cards but with one major exception: they can be used anywhere.
Itâs also now pretty common for anyone gambling using a debit card to find casinos that provide their own prepaid card. William Hill is perhaps the most well-known bookie to do this, although plenty of other U.S. online casinos that accept debit cards also have a version.
What federal protections cover consumers who use debit cards?
Online casinos, sportsbooks, and online gambling in general, is one sector always under careful scrutiny by the US government. In regards to making online transactions, be it deposits or withdrawals, the federal Electronic Fund Transfer Act (EFTA) protects players from the loss or theft of your debit card or its details.
However, unlike the Truth in Lending Act (which covers credit cards for unauthorized transactions up to $500), the EFTA law limits liability to $50 if the debit cardholder notifies the bank within two business days after discovering fraudulent activity. Our recommended U.S. online casinos that accept debit cards should also be aware of this, although we donât recommend relying on them to notify you.
If you notice something amiss, contact your bank/card provider asap. If you donât inform them in time, letâs say because you didnât actually notice a suspicious transaction until a month later, you could be liable for any debit card charges made after those 60 days.
Under the EFTA law, banks have 10 business days to investigate the case (20 business days if the affected account is new). Under specific circumstances, if a bank needs more time to investigate suspected fraud, it may temporarily give you part of the disputed amount until the investigation concludes. Typically, banks are allowed between 45 – 90 days for additional investigations.
Fortunately, many U.S. online casinos that accept debit cards have robust security protocols in place (see below). Plus, most card providers donât blame the cardholder if they are notified as soon as possible. However, in a worst-case scenario, when someone has stolen funds using your debit card details, that money is already gone. This doesnât mean itâs unrecoverable, just that itâll be harder to recoup.
Ultimately, gambling using a debit card is safe, but it always pays to be aware of the risks. Our
US online casino guide
is a good resource for this information.
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Online Casino Security
By now, even novice gamblers should be aware of Secure Socket Layers (SSL) as any website (gambling or otherwise) worth its salt uses this security protocol. SSL technology involves 128-Bit or 256-Bit encryption, which has proven to provide a high level of protection for many U.S. online casinos that accept debit cards.
This technology is so efficient and accessible because it effectively renders all personal data useless to anyone outside the system. Verisign is the company typically linked with SSL, so any online casinos that accept debit cards with the Verisign logo on their site are bound to be very secure.
Something else that affects player security when gambling is the Random Number Generator (RNG) implemented by all gambling sites. What this program does is – wait for it – randomly generate numbers! Why? So that the
U.S. online slots with real money
are run on unique combinations of numbers every single time. Theoretically, this means that itâs impossible for any two
online casino games
to play out exactly the same way twice. This randomness ensures fairness and is a major barrier against cheating and fraudulent activity in all our recommended U.S. online casinos that accept debit cards.
Mobile Casinos
Nowadays, we have more choice than ever when it comes to gambling using debit cards with
U.S. online casino app
versions of big-name gambling sites proving more and more popular.
For any players who want to use an online casino on the go, the choice is extensive. Thereâs absolutely no difference when it comes to using deposit and withdrawal methods on a mobile device. All the options for payment methods, whether youâre gambling using a debit card or not, remain the same from browser to app.
Conclusion
U.S. online casinos that accept debit cards are easy to find and even easier to use, as debit cards are one of the quickest and easiest ways to fund a gambling account. The security checks are thorough but usually faster than with a credit card, and there are often no fees.
Best of all, from a responsible gambling point of view, players need never worry about accidentally going over their limit when gambling using their debit card. The only money that can be wagered is whateverâs in an account to start with, so thereâs no risk of getting into debt and getting a bad credit rating.
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Debit card FAQ
â Can an online casino refuse to pay winnings to my debit card?
Technically, yes, but if youâre participating in
live casino gambling
with a debit card and the provider refuses to transfer your payout, they will have to provide sufficient legal reasons. If the gambling site believes thereâs been fraudulent activity (for example), the onus is on them to show how and why they came to this conclusion. This is according to the regulations stipulated by the licensing commission.
However, sometimes U.S. online casinos that accept debit cards may not be able to pay into the debit account. The reason could be a simple administration error, an anti-gambling policy instigated by the card issuer, or some other unforeseen confusion. Thankfully, such incidences arenât that common.
You should also note that rewards such as online casino free spins and online casino no deposit bonuses are not redeemable without reaching the wagering requirements. Be sure to check these terms before proceeding to avoid disappointment.
đ What about reversed withdrawals to my card?
A âreverse withdrawalâ is when a payout or other type of withdrawal is canceled before it completes. This can be due to suspected fraudulent activity on your account, or maybe because youâve decided to wait and collect a larger payout to save on fees. All the U.S. online casinos that accept debit cards listed by us are reputable so should provide this service, but itâs always worth double-checking.
đ€ Are debit cards safe to use for gambling?
Itâs true, gambling using a debit card doesnât offer the same level of personal protection as a
gambling using a credit card, but itâs still perfectly safe. Debit cards make use of PIN protection, which isnât available for eWallets.
As a result, this would be true when using online casinos that accept Apple Pay or gambling using Venmo. Also, because a debit card can only be used to spend an available cash balance, itâs an effective way to prevent over-wagering.
âïž What can I do to help prevent debit card fraud?
First of all, donât panic. Even with various security measures in place, fraudulent activity at an online casino may still happen, but that doesnât mean the site isnât safe. As the saying goes, prevention is better than cure, and you can do that by following a few basic debit card safety steps. Never give your PIN to anyone else.
Donât provide bank account information to a gambling site over the phone, email or live chat. The provider should have it on record, so will ask only for the final four digits of the card number, not the full 16 digits.
đł What are the main disadvantages of using a debit card?
Part of being a responsible gambler means being aware of any potential issues, for example not all casinos will accept debit cards. Thereâs a typical withdrawal time of three to five days with many sites, and some issuers have rules against gambling with their debit cards, but thatâs about it.
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