Best eCheck Casinos in Canada (2021)

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Spin Casino

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eChecks Explained

An eCheck, also known as an electronic cheque, is similar to a conventional paper cheque. However, eChecks are sent and processed digitally.

An eCheck is a type of EFT (Electronic Funds Transfer). This is why some sites refer to eChecks as EFTs, or vice versa. However, EFT is more of an umbrella term. Therefore, any type of payment made electronically can be referred to as an EFT.

Some other names for eChecks include:

  • ACH payments
  • ACH transfers
  • Direct debit, etc.

Sending an eCheck

To send an eCheck, you must have a chequing account. This is because eChecks send money directly from your bank account to the online casino’s bank account.

Money sent via an eCheck takes approximately 24 to 48 hours to verify. Once verified, it takes between 3 and 6 business days for the money transfer to be completed.

How an eCheck Works

An Automated Clearing House (ACH) network is used to process eChecks.  

This is why eChecks are not instant. The ACH initiates eChecks, and other EFTs, in batches. Therefore, your money doesn’t move until a batch of several EFTs is ready to be processed.

Here’s how an eCheck works:

  1. You authorize a certain amount of money to be withdrawn from your account. 
  2. This amount is transferred over the ACH network.
  3. The money moves from your bank or credit union to the casino’s financial institution.
  4. Your financial institution withdraws the money from your account. The casino’s financial institution deposits the money into their account.

Benefits of eChecks

There are several advantages to using eChecks to transfer money. These benefits include:

  • Safety and security - eChecks are one of the safest deposit and withdrawal methods. This is because the transaction is conducted directly between your bank and the online casino’s bank.
  • Transaction history - your bank account will show a history of the eChecks you have sent and received. This way you can see exactly how much money has come into and gone out of your account.
  • Available to anyone with a bank account - many online casino users prefer this method of payment because they don’t need to have a credit card. You can use an eCheck as long as you have a bank account with funds in it.
  • Available on several Canadian online casinos - some of the best online casinos in Canada offer eCheck payments.

Drawbacks of eChecks

As with any payment method, eChecks also have some disadvantages. Drawbacks of using eChecks include:

  • Processing time - an eCheck can take 3 to 6 days to be processed.
  • Personal information - an eCheck requires more personal details than using a credit card.

eChecks Safety and Security

Using an eCheck to transfer funds online is safe. This is thanks to encryption and secure web pages.

The ACH network that is used to transfer your funds uses strong encryption to keep transactions safe.

Encryption is a process that changes original information into an altered form. Therefore, anyone who is not authorized cannot decode the information. Once the information gets to its final destination it’s changed back to its original format.

When transferring money online always look for a small lock symbol beside the website URL. This guarantees that the webpage you’re on uses SSL (Secure Socket Layer) encryption.

Verifying that you are on a secure webpage before sending an eCheck, or any other EFT, will help to protect your information.

Casinos That Accept eChecks

Looking for the best eCheck casinos? The following online casinos allow Canadians to use eCheck as a payment method.

  1. 888 Casino
  2. Betway Casino
  3. Royal Vegas
  4. JackpotCity Casino
  5. Spin Casino

Depositing Funds to Your Online Casino Account with eChecks

To deposit money into your online casino account using an eCheck, follow these steps:

  1. Log in to your online casino account.
  2. Go to the banking page.
  3. Select deposit.
  4. Choose eCheck as your payment method.
  5. Enter your personal and bank account details. You will be required to provide the following information. Most of this information can be found on a void cheque.
  6. Full name
  7. Name of your financial institution
  8. Bank account number
  9. Transit number (5-digit)
  10. Financial institution number (3-digit)
  11. Last 4 digits of your Social Insurance Number (SIN)
  12. Fill in your deposit amount.
  13. Confirm your transaction.

Withdrawing Funds to Online Casino Account with eChecks

You can also use eChecks to cash out. To withdraw money from your online casino account, follow these steps:

  1. Log in to your casino account.
  2. Navigate to the cashier page.
  3. Select withdrawal.
  4. Choose eCheck as the withdrawal method.
  5. Enter the required personal and bank account information. If these details are prepopulated, please double-check that all the information is correct.
  6. Decide on the amount you would like to withdraw.
  7. Ensure there are no minimum withdrawal amounts or wagering requirements on your funds.
  8. Submit your transaction

eChecks FAQs

What are eChecks?

eChecks are electronic cheques. eChecks can be used to make payments online just like e-Transfers, credit cards, and other EFTs.

Like a paper cheque, an eCheck is linked to your chequing account. Therefore, you must have a valid chequing account to use this payment method.

How do eChecks work?

eChecks work by sending money over an Automated Clearing House (ACH) network. This network uses encryption to protect your personal and baking information. 

First, you authorize the payment. Then the funds are sent over the ACH network. The funds leave your financial institution and arrive at the online casino’s financial institution (or vice versa). Finally, your bank or credit union withdraws the money from your account and the online casino’s bank deposits the amount into their account. 

How long do eChecks take to process?

It can take between 24 and 48 hours for an eCheck to be verified. After this, it will take 3 to 6 business days for the deposit or withdrawal to be complete.  

Thomas Brown

Thomas is responsible for all content on BettingGuide Canada. With his extensive knowledge of the gambling industry and college degree in law, he knows what you should look out for when choosing the best casino or sportsbook.

Last updated: 2021-05-03