Every Ohio sportsbook accepts deposits, but the methods vary—and so do the fees, limits, and speeds. Here's a complete breakdown of how to fund your betting accounts the smart way.
Deposit Methods Ranked
1. Online Banking (ACH)
✓ Pros
- No fees ever
- Direct from checking account
- High deposit limits
- Easy withdrawals too
✗ Cons
- Requires bank login
- Some banks block gambling transactions
- First deposit may take longer
2. PayPal
✓ Pros
- Fastest withdrawals
- Extra layer of security
- No bank login required
- Works at all major books
✗ Cons
- Need PayPal account
- Extra step to fund PayPal
3. Debit Card
✓ Pros
- Familiar and simple
- No additional accounts needed
- Works everywhere
✗ Cons
- Some banks decline transactions
- Lower limits than bank transfer
- Withdrawals slower than PayPal
4. Credit Card
✓ Pros
- Convenient if no other options
- Can earn credit card points
✗ Cons
- Most banks treat as cash advance
- Immediate interest charges
- Can't withdraw to credit card
- Lower deposit limits
Most credit cards treat sportsbook deposits as cash advances, meaning immediate fees (3-5%) plus high interest from day one with no grace period. Use debit or online banking instead.
5. Play+ Prepaid Card
✓ Pros
- Instant withdrawals to card
- Separates gambling from main bank
- Works if bank blocks gambling
✗ Cons
- ATM withdrawal fees
- Extra card to manage
- Some inactivity fees
6. Venmo
✓ Pros
- Fast withdrawals
- Popular app you may already use
- Good for FanDuel specifically
✗ Cons
- Not available at all sportsbooks
- Lower limits than PayPal
Availability by Sportsbook
| Method | FanDuel | DraftKings | BetMGM | Caesars |
|---|---|---|---|---|
| Online Banking | ✓ | ✓ | ✓ | ✓ |
| PayPal | ✓ | ✓ | ✓ | ✓ |
| Venmo | ✓ | ✓ | ✗ | ✗ |
| Debit Card | ✓ | ✓ | ✓ | ✓ |
| Play+ | ✓ | ✓ | ✓ | ✓ |
| Apple Pay | ✓ | ✓ | ✓ | ✗ |
Our Recommendations
Best Overall: PayPal
PayPal offers the best combination of speed, security, and flexibility. Deposits are instant, withdrawals are the fastest in the industry, and you get an extra layer of protection between your bank and sportsbook. Set it up once and use it everywhere.
Best for Simplicity: Online Banking
If you don't want to create additional accounts, online banking is the cleanest option. Link your bank once, and deposits and withdrawals happen directly. No fees, high limits, and major Ohio banks (Huntington, Fifth Third, PNC) all work.
Best for Separation: Play+
If you want to keep your gambling funds completely separate from your main finances, Play+ is the answer. Load money onto the prepaid card, and that's your betting bankroll. Great for responsible gambling and budgeting.
Whatever method you use for deposits, use the same method for withdrawals. Sportsbooks process matching deposit/withdrawal methods faster. If you deposit via PayPal, withdraw to PayPal.
Common Issues & Fixes
Bank Declining Transactions
Some banks block gambling transactions by default. Call your bank to authorize sportsbook deposits, or use PayPal/Venmo as an intermediary.
Verification Delays
First deposits often require identity verification. Have your ID ready and expect a 24-48 hour delay on your first deposit at any new sportsbook.
Low Limits
If you're hitting deposit limits, try a different method. Online banking typically has the highest limits. You can also contact customer support to request limit increases.
Compare Withdrawal Speeds
Getting money out matters too. See which apps pay fastest.
Withdrawal Speed Test →