The underlying technology of ACH is used in some other countries’ banking systems but when talking about ACH in the United States the name ACH Network is often used.
It’s a system for electronic processing of debit transactions in bulk without the need for written checks. It works by debiting the payees’ account for a certain amount and then in regular intervals the system “clears” the payments and transfers them to the intended recipient of the transaction.
Because of this, payments through the ACH system may take up to five business days to clear. And casinos will most often place minimum withdrawal amounts if this method is used to transfer money to the punters' account. ACH transfers can also be used as a casino deposit method.
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ACH Network Overview
Because of this bulk processing nature, ACH is a very popular option for transactions which are low priority and have a relatively low value.
Businesses and customers love ACH…
…because it’s a simple and uncomplicated way to pay bills, taxes, and for companies to do payroll and similar tasks.
For customers, as well as for online casino punters it’s still an excellent way to do deposits and withdrawals even if there is a waiting period. This is primarily because ACH offers a level of security as it is backed by the already existing banking infrastructure in the United States. There is also the matter of lack of intermediaries and middle-men meaning that once the withdrawal or deposit is initiated it goes straight to its recipient without going through a third-party service such as e-wallet.
Another point in favor of ACH is the fact it’s a universally accepted payment method within the United States. Almost all casinos where US punters can take a chance on slots, casino table games, and others will offer this method as both a deposit and withdrawal method.
Simply put, the ACH Network is a time tested way of transferring money with powerful and regulated institutions behind it.
Recent developments will also make ACH an even better payment method because it is expected that access to same-day clearing will be expanded to almost all users in 2020. This means that one of the major drawbacks currently will be made obsolete very soon and ACH will get on the same level of quickness as e-wallets and other payment processing options available to customers currently.
While ACH is secure…
…it’s important to point out that it's not in any way anonymous. Many punters are worried about this issue recently and using anonymous payment services is one the rise. Bitcoin remains the best avenue for this kind of withdrawing and depositing. Using a bank account naturally means exposing personal data.
A really great thing about ACH…
…is that you’re already using it. Any time you made a direct payment into someone’s account or paid your bills via direct deposit it’s the underlying network that actually does the work. Most people are not familiar with all the banking jargon and technology, but now you know what’s actually in the background of your fancy and fast money transactions.
Mobiles and Smartphones
In order to use this kind of transfer from your mobile smartphone, you will need to be banking with an institution that offers mobile banking. And luckily today that’s pretty much all of them.
Of course most casinos today also have mobile sites which means every step of the way can be completed on a mobile device such as a phone or a tablet.
Simply select the method from the casino’s “Cashier” or equivalent section and follow the instructions on your screen.
Getting Started with ACH
As we mentioned before, chances are you’re already merrily using ACH without even knowing you are. That’s because the ACH Network is the backbone of digital money transfers in the US. Direct deposits, paying bills and getting your paycheck from your employer all work through this system.
This is, of course, means getting started with ACH isn’t really even a question. You don’t have to create any accounts, fund any wallets or do anything that’s associated with the process of opening a new account on other third-party payment services.
This is actually one of the major advantages of using this payment method over others. It can be a real bother to always create new accounts, to fill endless forms, and remember complex passwords.
For those who value convenience and simplicity above all else, this is one of the best ways around to deposit and withdraw from casinos.
User Interface
It’s important to remember this service is essentially a backbone of electronic money transfer and various banks can put various frontends on it in their e-banking and m-banking systems.
The specific interface will depend on your bank.
Help Questions
In order to get help with issues using ACH, you will need to contact your bank. The quality of service depends on the bank, so you should review your bank’s policies when it comes to problems with electronic money transfers.
Still, most big banks have systems for customer complaints and ACH will very rarely cause problems as it is essentially a very simple system.
ACH Promotions
There are no ACH Network promotions that relate to igaming as there are not ACH promotions in general. Still, certain casinos may offer additional bonuses when using bank transfers to deposit money. This, of course, is at the casino’s discretion, and punters will have simply to check out the bonus offers of a casino to see if anything like this offered.
Playing at Online Casinos with ACH
Online casinos have always been at the forefront of using the internet to pay online. Because of their online nature, it makes sense that would need to innovate and adapt to market conditions in order to stay competitive and attract as many players as possible.
But there is also something to be said for tried-and-true. In this day and age of fancy third party services, bank transfers and ACH may seem outmoded but they have their place as pretty much any punter will have a bank account. And people have a resistance toward adding yet another intermediary into their online lives.
For all these reasons, most online casinos that serve the US market will support using the ACH Network. You can find these casinos on this very page.
Fees and Limitations
Most casinos will not levy fees when it comes to depositing and withdrawing through this method. Neither do most financial institutions like banks although it is always best practice to check beforehand with your bank or credit union to see if they have any fees related to ACH itself or money that is being withdrawn from casinos.
Certain limitations do exist…
…and the most important is that casinos will often set a minimum withdrawal amount. Usually, this is around $50 but it can vary. Info on this subject will be available on the casino’s website usually in their FAQ and it’s also always possible to inquire with the casino’s support staff.
Conclusion
While lacking the pizazz of some newer payment methods, ACH is a well-established way to transact money online. It’s easy and simple to use, requiring only a bank account number and no special accounts, apps, or sign-ups. Getting started with it is as simple as firing up your bank’s e-banking or m-banking solution.
While there is a small downside in the amount of time necessary to process the payments the fact is it’s being worked on and pretty soon the biggest drawback of this method may be a thing of the past.
Advantages
With fees which are practically non-existent or very low, it’s also a good way to not lose out on winnings by having to pay middle-men.
Finally, a great advantage is the ubiquity of the system in North America as it is supported pretty much everywhere.
Disadvantages
The main disadvantage has to do with processing times, especially for withdrawals from casinos. While deposits tend to become available immediately, withdrawals can take up to 5 business days which is an entire week.
Another disadvantage, but only for certain people, is the lack of anonymity.
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