Sending money in advance to a casino

Probably the easiest and safest way is to wire cash 3-4 weeks prior to your trip as a front money deposit at the casino/hotel of your choice. I've been doing that for years, never had the slightest problems.  24/7 access to my money, and they're holding whatever is left from the previous trip until next time.

Originally posted by: Boris Radtke

Probably the easiest and safest way is to wire cash 3-4 weeks prior to your trip as a front money deposit at the casino/hotel of your choice. I've been doing that for years, never had the slightest problems.  24/7 access to my money, and they're holding whatever is left from the previous trip until next time.


The trouble with doing that is that you tend to spend all of that money. I like the self-limiting (maybe call it "rationing") aspect of gambling only with a fixed amount of cash per day, and when I run out, I'm done. If you have front money at the cage and you're getting raped at the blackjack table, it's soooo easy to just say "marker, please," like a high roller, and be given chips right there so that your losing streak can continue. That's how losing sessions become disaster sessions.

 

You can usually avoid ATM fees simply by finding your bank in Vegas or one that has a mutual ATM agreement with it. And while Strip megatoilets charge insane ATM fees, smaller casinos, like the Four Queens,, charge a reasonable $4. So as in so many other contexts and questions, the answer is, "Avoid the Strip."

I am with you.I have set Daly limit.I try and stop if lucky enough to double my win.

Most of the big banks at a certain fund level will reimburse ATM fees at will, and those can be held with the bank's investment arm, so you can put your stock there and get reimbursements. Wells Fargo has given me the highest ATM withdrawal limit, $5,020 which even many casino ATMs won't let you hit, although I am no longer at the highest level as they require $250k in assets for Premier. (Prime at $20k gets you one free withdrawal a month with reimbursement and combined with WF airport ATMs is all that I normally need.) Bank of America is $2,010 and their waiver level is at the Platinum level for $100k but the nice thing is once you get the status, you keep it for twelve months regardless. Chase is $75k although the Sapphire Checking offer is weak and their off site ATM limit is a pitiful $1,000 unless you call in advance to fix it. Citi is at $200k and they also do the $5,000 limit if you have the highest end account. 

 

Schwab and Fidelity have unlimited ATM reimbursements, but their daily limits are $1,000 which are low unless you call, and then they only go to $2,000 or so. I personally dislike carrying cash and prefer to take it out of an ATM in Vegas for recordkeeping purposes, and at least it gives me a stopping point once the $2,000 is done so I can determine whether I want to continue or not. 


Having the ATM reimbursements with Fidelity/Schwab changed my whole approach.  Now I can bring less money, carry less, and not have the hassel of the whole casino cage marker process.   Good to know they have a around $2k max with a call, not that I need that much.    The other thing to note is that is wise to enter a "Travel Plan" of their website in advance of the trip, as having an ATM withdrawal many miles from home in LV might result in some kind of decline of the transaction for security issues.

Edited on Jan 19, 2026 9:44am
Originally posted by: AKQJ10

Having the ATM reimbursements with Fidelity/Schwab changed my whole approach.  Now I can bring less money, carry less, and not have the hassel of the whole casino cage marker process.   Good to know they have a around $2k max with a call, not that I need that much.    The other thing to note is that is wise to enter a "Travel Plan" of their website in advance of the trip, as having an ATM withdrawal many miles from home in LV might result in some kind of decline of the transaction for security issues.


Plain old bank banks will also throttle your debit card if you have, according to them, too many suspicious transactions. It's happened to me several times when I've driven to Vegas and the multiple transactions for food, gas, motel, etc. rang their alarm bell and when I reached Vegas, my debit card was declined.

 

Fixed easily enough, but annoying. They said I should inform them of my travel plans. Great. Yet another detail to attend to.

Originally posted by: Kevin Lewis

Plain old bank banks will also throttle your debit card if you have, according to them, too many suspicious transactions. It's happened to me several times when I've driven to Vegas and the multiple transactions for food, gas, motel, etc. rang their alarm bell and when I reached Vegas, my debit card was declined.

 

Fixed easily enough, but annoying. They said I should inform them of my travel plans. Great. Yet another detail to attend to.


I haven't had to do that in years, but I do remember having that as an option inside my Wells Fargo app.

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