Banking with Ohio Online Sportsbooks

Ohio’s sportsbook industry is about to turn the online sports betting world on its head. Ohio breathes rarified air in the sporting world, with many storied franchises and schools taking the field within its borders.

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From the origins of professional football and baseball to the limelight of the current basketball and college football scene, Ohio has been home to some of the sport’s greatest legends.

And with such a hefty responsibility in serving the country’s hungriest fanbases, online sportsbooks are creating a vast array of banking options for players to enjoy. After all, before you bet, you must be able to deposit!

Ohio mobile sportsbooks make banking a breeze from instantaneous digital transactions to personalized service at a casino cage. In this guide, we’re going to take a look at each type of banking available to Buckeye bettors. Which one will you choose? It’s early days, but we can at least window shop for the one that fits your needs.

Ohio Online Sportsbook Payment Options
Photo: Shutterstock

List of OH sportsbook deposit options

While picking a sportsbook to wager with the brand’s cashier is of paramount importance. We always recommend checking out the available options before you get started. If you can’t fund your account, you can’t place your bets in Ohio, and that’s a bit of a problem.

For the most part, operators try to offer a broad list of banking options for players – the more choices there are the better. Some methods are more popular than others, and others are either breaking into the industry or simply unfamiliar to new bettors.

Don’t worry about the unfamiliar, over the next few sections we’ll bring you up to speed so that about Ohio’s legalization and what you need to do:

Available methods at Ohio sports betting cashiers:

  • PayPal
  • (ACH) VIP preferred e-Check
  • Visa/MasterCard debit and credit cards
  • Online banking
  • Play+ Prepaid Cards
  • Bank wire transfer
  • PayNearMe
  • Skrill
  • Paper checks

Best deposit options on Ohio sportsbooks

Ohio Sports Betting
Photo: Shutterstock

Now is the perfect time to bone up on how to begin your Ohio sports betting journey – with a deposit.

Before making your first deposit with a new sportsbook, you should always check if they offer a special Ohio sportsbook bonus. At many online sports betting sites, players can take advantage of no-deposit bonuses, risk-free bets, and even free money or deposit matches when funding their account for the first time. 

The good news is that when these promotions are available, sportsbooks will go out of their way to make the sign-up, registration, and deposit process as simple as possible. This applies even if you choose to make a real money deposit at a casino cashier.


If you’re familiar with online payments, you’re more than likely aware of what PayPal brings to the table as an e-wallet. PayPal is a brand that has built its reputation on both transaction speed and ease of use. When players can send money to and from their PayPal account in under 30 minutes, you’re going to earn some acknowledgment for your speed. 

PayPal acts as a financial hub for all your online fiduciary needs to break it down into even simpler terms. Users can store their payment information, from online bank accounts to debit or credit cards, all in one spot.

By using PayPal, you have all of your payment options right in front of you. This gives you the freedom to toggle between methods as you see fit. Even better, and to some bettors, the most important, is that PayPal offers no-fee transactions, which other e-wallets simply cannot do.

If you’re looking for a payment method that gives you the most control and choice, PayPal is the way to go.

PayPal disadvantages

With PayPal, the advantages far outweigh the disadvantages, or in this case, the annoyances.

For example, most sportsbooks will require that your PayPal e-mail address match the one you used to register your account to process your transaction. That can be annoying for some sports bettors, but it’s not terribly difficult to satisfy.

Another thing to be aware of is that while you can use PayPal to withdraw too, you’ll need to deposit first with it. So if you use another method to deposit cash into your account, you will not be able to use PayPal to withdraw your winnings until utilizing the service to make a deposit. 

The dual-use requirement isn’t too much of a disadvantage; however, most sportsbooks will require customers to use the same e-mail for both PayPal and their sportsbook account to successfully process any transactions between the two. And unlike the Cleveland Municipal Stadium, being dual-use is a big game-changer for players.

Instant eCheck (ACH)

Ohio sports fans understand better than anyone that “good things come to those who wait”. This doesn’t mean you should have to wait another 52 years for your deposit to clear. For players who have checking accounts that can be accessed online, Instant eChecks are a perfect option.

Using an ACH or Automated Clearing House, players can connect their checking account directly to their sportsbook account. Many sportsbooks use VIP Preferred as their ACH, assuring their customers get fast, easy, and secure transactions when banking.  

To make an eCheck deposit, all you’ll need to submit is:

  1. the name of the bank,
  2. their corresponding routing number,
  3. the city where your bank account is located,
  4. and of course, the account number itself. 

What are the benefits of using an ACH? How does it improve your sports betting experience? Here are some things to think about it:

  • Instantaneous turnaround times — While the turnaround is quick, customers should know that the amount may not be deducted from their checking account balance at the same speed. Occasionally, deposits and withdrawals will be reflected in your checking account statement 24-96 hours after the transaction is made. This also depends upon a user’s bank and their specific policy.
  • Once set up, it works like a dream — Once you have made a deposit, you can quickly reload your account with the click of a few buttons. Sure the transaction may be fast, but the steps to complete the process are faster.
  • Widespread acceptance — Most prominent sportsbooks accept Instant eChecks for deposits and withdrawals.

Play+ and other prepaid cards

An excellent and often overlooked method for depositing money into your account are prepaid cards. Prepaid Play+ Cards will undoubtedly factor in once Ohio online sports betting begins.

Similar to the prepaid cards your boss gives out around the holidays or the ones you can purchase at a store, these cards offer players the flexibility of using them to make outside purchases. In addition, some can even be used to withdraw cash at an ATM. 

In other states, we’ve even seen some sportsbooks and their partner casinos introduce their own branded prepaid cards via Play+. This creates a streamlined experience from the digital to the retail world.

Play+ and other prepaid cards’ advantages and disadvantages

Looking for more upsides to using a prepaid card? Here are a few more:

  • Prepaid cards can be funded through a few methods. Checking accounts and credit cards (Visa, Mastercard) are the most popular options, making the process stress-free. 
  • You do not need to wait around for the physical card to arrive to begin using it. By completing the sign-up process, you’ll be able to start using your card immediately. That’s fantastic.
  • Unlike PayPal and other payment methods, you do not need to use a prepaid card to make a deposit before using it to withdraw cash. 

And while those are some seriously great reasons to use a prepaid card, you may be asking yourself, “what’s the catch?” To be fair, prepaid cards do have their drawbacks, such as:

  • Prepaid cards may be subject to deposit limits. In other states, we’ve seen daily deposit limits settling around $2,000 and monthly deposits around $10,000. For some bettors, that’s going to be an issue. But you can always reach out to the sportsbook and ask about higher limits. This especially applies to a VIP or frequent wagerer.
  • A few more steps are included in setting up a prepaid card than other methods. Beyond account setup, deposits take a few extra steps, which may be annoying to some users. All in all, we don’t believe you’ll notice a difference, but you should be aware. 
  • We have seen a “one prepaid card per site used” limit in some states. This can be cumbersome to bettors who use multiple sportsbooks, as you will need to set up numerous cards. Still, if this is your universal financial method, you may already be at peace with these hurdles.

Bank wire transfers

Another often overlooked method of financing your online sports betting activity is bank wire transfer. Suppose you want to keep your personal financial information as close to the vest as possible. Bank wire transfer can also be beneficial when depositing a large amount all at once.

The downsides are speed and transaction cost, which has kept some players from using other methods. Make sure you have all of your banks details on hand before moving forward with a wire.

Credit and debit cards

While PayPal is one of the more popular online payment methods, the online e-wallet is no match for the kings of the physical wallet: credit and debit cards. 

To use a credit or debit card, the first step is to make sure the sportsbook you intended to wager with accepts your specific card. Should you choose to fund your account with a credit card, there are a few things you need to be aware of:

  • The credit card you are using must carry a sufficient credit clearance to cover the amount of your deposit. If you use a debit card, the same policy applies to the connected bank account. 
  • Different sportsbooks accept different cards. Mastercard and Visa are widely accepted, although you may also see American Express and Discover popping up here and there. 
  • While great for making deposits, withdrawals are a bit more complicated. It’s rare that sportsbooks will allow users to withdraw funds to a credit card. If you deposited with a credit or debit card, I’d make other plans for withdrawals.

Other e-wallets (Skrill & Neteller)

E-wallets may sound like a term coined during the dot-com boom, and you’re not far off. E-wallets are online accounts that hold bank accounts and other financial information and can make online payments. These e-wallets are safe and secure.

Also, they offer a simple way to navigate online payments, and in our case, finance your online sports betting account. It should also be mentioned that e-wallets may charge small transaction fees. Offering fast and seamless transactions that get you into action quicker, e-wallets are a solid option for online bettors.

And while you’re already familiar with PayPal, we thought this would be an excellent time to go over two other payment options: Skrill and Neteller. 

Skrill offers an online payment service that thrives within the gaming industry. Skrill is accepted at many nationwide sportsbooks and understands what’s important to online players.

By keeping your financial information private and allowing payments across credit cards, debit cards, and bank accounts, Skrill offers players a payment platform specifically geared towards their gaming needs.  

Neteller is new to the US scene, but international bettors visiting Ohio for the Rock and Roll Hall of Fame (or another festive in-state event) are sure to be familiar with this e-wallet. Working in similar ways to other e-wallets, Neteller keeps your financial information safe and secure and doesn’t allow sportsbook operators to gain access to your banking information.

Bettors familiar with Neteller will also tell you that they offer higher deposit limits than that of PayPal. PayPal is their biggest competitor.

Pay in person with cash: Cashier’s cage at the casino

The Digital Age has pushed everything to lightspeed, not just the sports betting world. Before 2018, if you wanted to place a bet, you needed to find a way to get yourself to Las Vegas or use a potentially nefarious offshore gaming site. Not ideal. However, if you still want to have a retail sports experience alongside your online sports betting activity, you can still merge the two. 

Players can deposit cash into their online accounts at the casino cage. Seriously! If you want to keep your business with a sportsbook on a person-to-person level, you’re in luck. Depositing cash at the cashier’s cage at a casino is an easy option to fund your account.

Cashier cage deposits can be made via credit and debit cards, personal checks, and cash. Players will need to provide their account information as well as a photo ID.

PayNearMe (Cash)

We’ve gone over credit cards, debit cards, prepaid cards, and e-wallets. We’ve even covered automatic clearing houses and in-person cashier cage transactions. But what if you don’t want to use any of those options? Luckily, there’s PayNearMe.

PayNearMe is an electronic payment method that allows players to deposit cash into their account and use those funds via a special service offered through the PayNearMe app. Head on over to your local 7-Eleven, Family Dollar, or CVS and make a cash deposit.

You’ll need your PayNearMe barcode from the app and cash to complete the deposit. On the PayNearMe app, a receipt will be generated and stored in your account. You can then deposit those funds into your online sportsbook account via a unique code sent to you. 

While this may feel like a roundabout way of depositing cash into your account, we like to think of it as a similar means to funding your wagers as going to the casino cage. Both options are safe and secure and are 100% reliable in getting cash into your account.

The only difference is that PayNearMe works for users who do not live close to a partner casino. After all, it may be easier to pop on down to your local 7-Eleven to deposit some cash and grab a Slurpee than it is to drive to the nearest casino to visit the cage. 

Paper checks

Finally, a familiar face in the financial world, personal paper checks, can be used to finance your online sportsbook account. It may take a bit of digging to find the address, but a large majority of sportsbooks allow players to send in personal checks.

The account associated with the check must hold sufficient funds, as overdraft fees will be the full responsibility of the player making the deposit. Also of note, the turnaround time is between 7-10 days, which for some players is too long to wait. Waiting a week is just fine for others who are in no rush to place their first wager. 

Be sure to check with the sportsbook you intend to use to see what kind of checks they accept, as they can vary. Some sportsbooks accept cashier checks, bankers drafts, and money orders, while others have stricter policies. 

Ohio sports betting withdrawals

While putting money into your account is one thing, taking it out can be a completely different ballgame. Some banking options are more like one-way streets, rather than being able to complete both types of transactions.

As we’ve advised before, rather than making an off-the-cuff decision about banking, take the time to consider the ease of withdrawals and deposits.

Why? Some banking methods have withdrawal policies that may affect the method and timing of your winnings getting into your hands. Bengals finally cash in and win the Super Bowl leaving you with some extra funds? It’s important to be able to withdraw them easily. Don’t worry – you can.

Fastest cashout methods: PayPal, Prepaid Card, Cash at the casino cage

PayPal Payment Method
Photo: Shutterstock

If speed is the name of the game for you when it comes to cashing out, electronic methods are sure to be the answer. PayPal and Prepaid cards are simple to use and often take milliseconds to process the withdrawal. There’s a reason these are two of the most used withdrawal methods, after all. 

Another quick payment method may not be one you thought of, and that’s cashing out at the cashier’s cage in a partner casino. Sure, using PayPal gets your money to you electronically, and you can use a prepaid card to make purchases outside of your favorite sportsbooks, but there’s nothing like cash.

Simply head on over to the cage and walk away with cash. This does require you to be relatively close to the retail casino. If that’s not a problem – it’s one of the quickest options.

If you made your deposit with a credit card, as mentioned above, you would not be able to withdraw that money back onto the card. We suggest using the ACH option when selecting a withdrawal method, which takes around 1-2 days to process fully and hit your account.

List of Ohio online sportsbook withdrawal options

Please check the below list of all sportsbook withdrawal options in the state of Ohio.

PayPal withdrawal option

Paypal is a global giant in the digital payment industry, setting the bar for fast turnaround times. For online bettors, if you use your PayPal account to make a deposit, you can also use that account to withdraw funds as well. 

Bank transfer (ACH)

Cut out the middleman and directly link your bank to your account using an automatic clearing house. Using an ACH gives players the ability to instantaneously transfer money from their sportsbook account to their bank account.

All required is a bank account number the corresponding bank routing number, and you’ll be set up for success.

Check by mail

If the digital world is a little too much for you, you can always opt to withdraw funds from your account by way of a physical check in the mail. Sure, it’s not the fastest withdrawal method, with turnaround times in the range of 1-2 weeks, but that won’t matter to users who trust the postal service.

Cashier’s cage at a partner casino

If you prefer to keep your finances on a face-to-face level, requesting a withdrawal in person at the cashier’s cage is the perfect solution. 


Similar to PayPal, Skrill is an online e-wallet. The difference comes in the design, with Skrill being constructed explicitly for the online gaming world. Using Skrill, players can request withdrawals to any of their linked accounts. Occasionally there will be some small transaction fees that the user must pay.

Prepaid Card

Using a prepaid card, users can request a withdrawal and send money to their branded Play+ card. Users should also know that unlike some methods such as PayPal, you do not need to make an initial deposit using the specific card before requesting a withdrawal onto that card.

Once the funds hit your Play+ account you can withdraw them to your bank account. You can pull cash from the account at any ATM, or keep the dough in your Play+ balance and use the physical card that they send you as a debit card. There’s a lot of exciting utility here.

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