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ACH eCheck is an all-purpose term used to refer to eCheck processing, a reliable payment system that is widely accepted at many online gambling sites. ACH eChecks may sound complicated, but they work in the same way as physical checks except that the checking account, as well as the routing numbers, are typically supplied online for instant transactions in place of paper checks.

Even in states like New Jersey where legal online gambling has been accepted and betting on sports on your phone is well established, gamblers can still run into problems with other more conventional methods such as credit or debit cards; ACH eChecks can prevent those problems.

ACH eChecks have an impressive higher success rate than many other payment methods available at New Jersey online casinos. It is definitely worth considering if you want to switch things up.

What exactly is ACH eCheck?

ACH eCheck payments are one of the most reliable and most widely accepted payment methods accepted by licensed and legal online gambling websites. ACH is short for Automated Clearing House.

ACH processing relies on an e-payment system that enables casinos to electronically credit and debit their clients’ savings and checking accounts. ACH e-checks work the same way as traditional physical checks except that the checking account and routing numbers are provided online instead of through paper checks.

Almost all online casinos offer bettors the opportunity to carry out ACH eCheck transactions so that jackpot winnings are wired directly to bank accounts. In New Jersey, this includes Borgata, BetMGM, PartyCasino, 888 Casino, William Hill, Caesars, SugarHouse Casino, Golden Nugget, Tropicana and Virgin Casino, among others. ACH eCheck networks are almost instantaneous, easy, and best of all, free.

Unlike other transfer methods, only NJ bettors with US bank accounts are allowed to ask for ACH transfers. Since transfers are only allowed within the US, eChecks are not an option for non-American online casino bettors. Very few authorizations are needed to complete transactions.  An eCheck will typically clear within 7-10 business days unless there is a delay in processing.

Pros and cons of ACH withdrawals at an NJ online casino

Pro: Simplicity

ACH transactions for New Jersey online gambling players are processed directly from your bank account to your favorite betting account. This way, you can set up transfers for both deposits and withdrawals in a flash.

ACH bank transfers are also super easy to use because they are automated transactions that occur between your bank and preferred betting site, without any third-party interference.

Pro: No fees or charges

When you use ACH transactions, you never have to deal with any additional fees or charges. Even so, it is not uncommon for NJ bettors to experience problems because your bank has tacked on extra charges such as fees for commissions, or incoming and outgoing wires. If you do experience any issues, it is a good idea to get in touch with your local bank so they can explain any fees that have been levied on your withdrawals or deposits.

Pro: Security

All the best and most trusted online casinos in New Jersey will tell you that ACH eCheck transfers are some of the most secure transactions that you will ever carry out online. All participating banks are authorized to conduct transfers from online casinos.

With cybersecurity issues always lurking in the background, you always want to be confident you are using a safe and reliable way to make your deposits and withdrawals. Anything that involves your personal banking details should be treated with the sensitivity it deserves.

Pro: Availability

Perhaps the most convenient aspect of ACH transactions for New Jersey players is that they can be carried out any time day or night. Bank transfers are available around the clock, so you never have to worry about accessing your funds.

Plus, a wide array of banks has been authorized to process deposits and withdrawals to and from your favorite New Jersey betting sites including all authorized sports betting platforms in New Jersey: 888 sportsbook, William Hill Sportsbook, DraftKings Sportsbook, Borgata Online Sportsbook, Hard Rock Sportsbook, BetMGM Sportsbook, PointsBet Sportsbook, FoxBet Sportsbook, and FanDuel Sportsbook. A few of the banks supported by all of these operators include Bank of America, Capital One 360, Chase, SBC Bank USA, U.S. Bank, and more.

Pro: Speed

What you will love about withdrawing your money through ACH is that it doesn’t take very long for withdrawals to be processed. Although the process isn’t as swift as some other methods, you can expect to have the money in your account as soon as 6 days. Deposits, on the other hand, tend to be much quicker with the processing time being as little as 10 minutes.

Pro: Customer support

If you have any issues regarding your ACH e-check withdrawals, you can always get in touch with your online casino’s customer service team. The most trustworthy sites offer 24/7 support so your problems can be swiftly addressed.


Con: Restricted to US players

Any players from outside the United States will have to miss out on the convenience offered by ACH withdrawals because they are only available to players within the United States. The players must also hold US bank accounts to qualify for withdrawal requests. This, of course, applies to all New Jersey gambling and sports betting players as well. 

Con: Sharing sensitive information

If you are not the type to give away your personal information, you should know that any ACH transaction will require you to share your checking account and routing numbers online at least once so you can make your very first ACH e-check transfer. If you are not comfortable with this, you are probably better off looking for an alternative withdrawal method.

Con: Disappointments

You might have to deal with a few disappointments when dealing with ACH transactions. Although these disappointments are NOT common, they are still disheartening at times. For instance, limits may be imposed by the ACH eCheck provider on how much you can withdraw to your account. The same rule can apply to New Jersey Casino and Sportsbooks Operators as well. You should always be on the lookout for such nuances.

Con: Transactions leave a trail

If you are trying to keep your betting habit a secret, your withdrawals will be listed on your bank statements. You may want to look for a more discreet method as you sort your personal issues out.

Con: Verification processes

When making ACH e-check transfers in New Jersey, you should expect to deal with a few verification steps. The requirement will vary from one NJ betting site to the next, the ACH payment processing company used, and whether you are making deposits or withdrawals.

For instance, some sites may need you to provide your driver’s license or state-issued ID number as well as your checking account and routing numbers before anything is approved. Some betting sites and other ACH eCheck providers may require verifications before you can make your first withdrawal request and may ask for a copy of a recent bank statement.

How to make ACH withdrawals from NJ casinos

Step 1: Login using your username and password combo.

Step 2:  Navigate your way to the cashier.

Step 3: Pick the option to withdraw.

Step 4: Input the amount that you would like to withdraw.

Step 5: Choose ACH eCheck bank transfer as your withdrawal method.

Step 6: Carefully look over the information you supplied and submit your withdrawal request. Wait for 4-6 business days and voila! You will have your cash to use as you please.

The name on your checking account should match the one you used to register your NJ online player account. The name, as well as the address on your bank account and your player account, should also be a match.

Most New Jersey casinos set a minimum withdrawal amount which is typically around $50 but it can differ from one casino to another. The majority of NJ casinos will make known the minimum withdrawal amount available on the casino’s website, usually in the FAQ section so that you don’t deal with any surprises later on. Check out our reviews on this site for more information for each New Jersey online betting operator. 

Please note that the casino you use may get in touch with you if they require any further verification after your withdrawal request has been submitted. If a casino does contact you, it is in your best interest to respond promptly because it will protect you against fraud and identity theft. It will also ensure you get your funds on time.

How To Do ACH Withdrawals at NJ Casinos: Quick Summary   

The best and most popular NJ casinos go out of their way to make the withdrawal process as painless as possible for their valued clients. ACH transfers are rapid, safe, and user friendly whether you need to withdraw from or deposit money to your online betting account. When you initiate a process, you can expect to have your deposit available within a short time- 10 minutes max.

Withdrawals, alternatively, tend to take a bit longer (as long as 6 business days) to process as a result of the strict verification procedures that make this process so secure. With ACH withdrawals in New Jersey, you never have to worry that your personal or banking information will fall prey to cyberthieves.

All your information will be secure with the SSL technology, password protection, and firewall encryption systems that have been set up for your safety. Although NJ ACH withdrawals don’t have the flash and pomp of some of the much newer payment systems, it is an established way to transact financial business online.

Check out some other withdrawal methods available for online casinos in NJ:

Instant  eCheck withdrawals

MasterCard withdrawals

PayPal withdrawals