Online Casino Games With No Minimum Deposit
Posted : admin On 7/28/2022Content of the article:
- Online Casino Games With No Minimum Deposit Money
- Online Casino Games With No Minimum Deposit Bonuses
- Online Casino Games With No Minimum Deposit Bonus
- Online Casino Games With No Minimum Deposit Accounts
- Yes you can, if you redeem no deposit bonuses at Bitcoin-friendly online casinos being 100% free to claim. They reward you with a fixed sum of free credits / free spins you can use these to play games for real money.
- There are a number of reasons why the no deposit bonus at US online casinos is so popular. One of the most important from the player’s point of view is that it allows you to play some of the best games available in real money mode without spending your own money.
It is always fun to review all these huge percents of offers which you can get after the registration. Lots of online casinos have something like 100 to 200 percent offers and it seems so much. At first, you think that your sum will be doubled and that is fantastic. Within a couple of seconds, you understand that a new member won’t deposit a huge sum of money, just because he/she may be unsure about the quality of this resource. Because of this factor, the idea about checking all the best platforms and finding out those minimum deposit casinos appeared in my mind. If you are interested in this topic then continue reading this article, you will find out lots of helpful things.
Minimum deposit casinos and the reality of receiving Welcome bonus
While reviewing search results you can notice that lots of online platforms have a minimum deposit of $1. Yes, it is true you can find such sites where the initial deposit can be as little as that, but on its huge ad you will hardly review some other important terms. One of which is when your deposit is $1 you have no chances to claim for a welcome offer. Of course, there may be some casinos that have other rules and you’d better check this information on the official site and prior the registration of your account, but there are not many of such websites.
Most of the online minimum deposit casinos require to deposit at least $10 in order to access this Welcome bonus. Also, you should be really attentive to the method of your transaction. Here is why there is a small percentage of sites that exclude e-wallets’ deposits from promotions. That is really strange, but sometimes it occurs and you should be certainly informed about such kind of situation.
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What is the minimum amount of money you have to deposit on a real money casino?
Of course, there are available such sites that may offer lots of no deposit codes. However, to become a gamer with lots of access and a possibility to use VIP program, it is important to make at least minimum deposit.
The minimum transaction is considered to be only $1. One of such platforms is Lucky Nugget. Maybe it seems unrealistic for some users, but such a possibility is and lots of gamers prefer this site due to the lowest deposits’ requirements.
With such a minimal sum you are receiving access to the cool game collection, different offers, bonuses, free spins, and more.
The process is simple, you need to register your account and make this initial deposit. Now you can enjoy your favorite gaming platform without any limitations and restrictions.
$5 minimum deposit casinos
Online Casino Games With No Minimum Deposit Money
Euro Palace, Gaming Club, and All Slots casino are those places where clients are offered a minimum deposit of $5. The number of such sites is, of course, bigger when compared with the only one for $1. Remember, it doesn’t mean that there is only one casino with the minimum deposit of $1, it means only that it is checked and reliable place that we have tested ourselves.
Let’s discuss one of the mentioned above casinos in detail.
As for Gaming Club casino, its minimum deposit is $5 and it is true. However, there are some details that should be mentioned. It is possible to make such a minimal deposit only via several methods such as Neteller, Skrill, Instadebit, and Echeck. Also, if you are using Paysafe Card, there is no fixed minimum number and that is fantastic. As you see it is extremely important to review all the available banking options and their rates of deposits and withdrawals because one platform can offer lots of variants for the clients at the same time. Mobile users have the same methods and the same limitations according to the deposits.
Casinos which minimum deposit is somewhere around $10
LeoVegas and SpinPalace are the most popular casinos which have a minimum deposit of $10. These online gaming platforms are considered to be really popular and functional, so let’s discuss them a little bit more.
LeoVegas is one of those reliable and safe platforms which priority is fair gaming and they have been successfully doing this for lots of years. Moreover, users from different counties prefer this resource because of a huge number of bonus codes and free play. Here is something special for all the new gamers and those who don’t know the process of claiming for the bonus. This casino offers a bonus after 4 initial deposits and you can receive as much as 700 in your currency. This process is almost instant and you don’t need to add any promo codes while claiming for it. Furthermore, according to the policy of this online casino, only members of particular countries can activate a welcome offer. To review the whole list of countries you should better enter the official gaming platform and check out the recent information there.
Also, this above-discussed minimum deposit can be made only via specific methods such as Neteller and Skrill. When using credit cards, or bank transactions the minimum is a little bit higher and that relates to most gambling sites and apps. There is a chance to deactivate this automatic offer, but you should do it manually from your profile. Hm,… it may sound strange that a person would like to deactivate such a cool feature, though all of us have different gaming strategies and plans so why not to offer each client something special. As you see LeoVegas orients on the needs of every registered user and if you want to get a more exclusive attitude you should better try its loyalty program. Now, let’s return to the welcome offer, in order to withdraw it, you should wager it thirty-five times. For instance, in case you receive $500 to your account after the activation of the Welcome bonus, you should wager $17.500 at first, and then you will get a chance to withdraw it. Moreover, there are some games which can contribute more and less. Blackjack and Roulette, for instance, contribute less than others.
Except for this Welcome bonus each gamer has got access to awesome daily gifts, VIP program, and of course reload bonus. The next rather evident question is: how to become a member of this VIP club? It isn’t a problem at all, you are simply betting while playing your favorite games and getting the number of points on your account. The more of these points you receive the higher you will be on the gaming ladder on this gaming platform. LeoVegas has 70 various levels in general. As you see, it may be long and cool process at the end of which you are receiving the best offers and gifts that you can probably imagine. These offers are as cool as month’s gifts, manager’s assistance, personal offers, and sometimes even trips and tickets to the awesome events. Moreover, this adds a little bit of competition to your gaming experience and you can easily track your progress.
To conclude this short description of VeoLegas, here are a few more benefits that you can receive on the site:
– Fantastic mobile application.
– Secure and licensed platform.
– Huge game collection.
– Quick payouts.
As for another mentioned casino that is called SpinPalace, it is also one of a premium online resource that has been in the industry for almost 20 years. Can you imagine that an online platform is working for so long and has the best reputation ever? Users from all over the world can easily sign up and enjoy, including members from Canada, England, New Zealand, and Australia. Also, it is a resource where only the best game providers in 2021 are represented. The quality of the games is fantastic and what is more, you can download some slots and enjoy your experience even without an internet connection. The last but not the least thing to mention is that its online casino with$10minimum deposit. What can be better than that?
Most of the users want to know more about the money transactions and the available methods so let’s discuss it a little bit. The number of deposit variants is impressive, let’s mention only some of them. The most popular are considered to be Ecocard, PayPal, Skrill, AstroPay, iDebit, Paysafecard, Neteller, DineroMail, and Instadebit. As for the currencies that are supported by the site, there are more than 8 options including EUR, AUD, and USA. If you want to review the whole list just check the official website. Remember one thing if you experience any troubles with deposits or withdrawals, you should better contact a support team, these professionals will explain or solve your problems in less than a minute.
Online gaming platforms with a minimal deposit of $20
Now let’s review some of the best casinos that have a minimum rate of $ 20. They are Royal Panda and Dunder. Yes, lots of users will start arguing about this that the mentioned platforms have less minimal rate and they are 100 percent true. However, we are not lying because you can deposit less than 20 but in such a way you would not have a chance to activate your bonuses. You may gamble with this minimal sum, but what for if you cannot claim for the free offers on the site.
Let’s review Royal Panda Casino a little bit. It is considered to be a rather recently launched platform but it has been functioning for 6 years already. Because of this Royal Panda is a modern place with all the latest innovations and features. It is much more flexible than those casinos that were for 30 years in the industry and don’t want to change anything. So the site’s team has created something extremely unique in order to impress the users and they’ve coped with this task. This casino is so popular not only because of a huge game collection but because of a huge number of progressive jackpots that are offered on the site.
Now let’s proceed to the most interesting topic that is called promotions. Every user wants to know what kind of bonuses he/she will be offered immediately after the registration and while being in the status of the experienced gamer. The first thing that may interest you is, of course, a welcome offer. It is given only to the new members and other uses cannot claim for it. Remember that if you are using Paysafecard, Skrill, or Neteller then you won’t be eligible for such kind of bonus. All the money that you win with welcome offer finances can be withdrawn but only after you meet a certain wager requirement. Please, check this information on the site prior to claiming for it. This casino also has free sports bets; however, they are available only for the new clients after the first deposit. So, don’t forget to use such an opportunity once you have signed up on the gambling platform. To claim for this offer you should deposit at least $20. That is all as for the major bonuses on the site if you want to get more detailed information, you should better review the recent updates on the site.
The next mentioned casino was Dunder. So, what is so special about it? One this that stands out this site from the huge number of others is its safety and fair gaming procedures. Sometimes gamers pay attention to this fact only when it comes to withdrawal, but it should be done prior to registration on any resource. To begin with, it is a licensed website and totally legal. As for the site’s gaming fairness, all the slots are frequently audited. Also, those players who have gaming addiction or might have it can access lots of resources via online casino and get the most helpful recommendations on this topic or set some personal limitations for the deposits losses and more. As you see casino worries not only about the site’s functionality but also about the comfort of every gamer.
The service offers both desktop and mobile versions. And it is strange how many users prefer mobile version and neglect a desktop because game experience when you play on the big screen is much more involving and exciting, then the same experience on the Smartphone. However, lots of people have chosen this method and probably there are lots of factors that make this variant even better because you receive the same games, customer support, and the same bonuses as on the PC version and in addition, you can play whenever you want.
If after reviewing this short info about the best casinos with the minimum deposit of $20, you are still not sure is there a huge necessity in the registration, then you probably need more practical experience and you can get in via reviewing users’ comments. It is the best option to get more personalized experience but at the same time, not to register.
Do no minimum deposit casinos really exist?
Don’t want to upset those people who are reading this paragraph with a strong desire to find out about no minimum deposit casinos. Yes, such casinos exist and there are lots of them, however, according to our rather subjective study, we haven’t found reliable platforms in this niche. Some sites can offer such a thing, but they usually look like a place with low-quality graphics, bad sound effects, and lots of ads.
So, the best possible recommendation for users who are searching for online casino nominimum deposit is orient mainly on the lowest sum that is $1. There are some cool places when you can get an unforgivable experience and still your spending will be almost minimal. Don’t you agree than $1 is absolutely nothing and we can consider such platforms as those who are no deposit casinos?
Sorry for such a reply, but it is true and you should be ready for such a reality. If you want to get high wins, you’d better make the first deposit on the best reliable casino in such a way your chance for success will be higher than using some suspicious platforms.
What is so beneficial about the usage of minimum deposit casinos?
This is a rather interesting topic to discuss because it has two different sides. On the one hand, there are so-called “luxury” platforms where you should make a deposit that will be not less than $200 and such casinos look like cool platforms with really high winning rates. Those gamers who won something will definitely characterize this resource as the best in the world with the most awesome games and more. However, users who lose a huge sum and haven’t even understood how the resource functions prefer to switch to something else and don’t share too much about such an experience. That’s why you will hardly find a subjective attitude towards casinos with high deposits. One thing that is really proved is that users have fewer chances to try all the available games because the only goal of such gamers is to return or double their first deposit.
On the other hand online casino no minimum deposit offers the user a luxury of checking out all the available slots without huge losses. You deposit the lowest possible sum and in return to it, you are receiving lots of bonuses, promotions and free plays. For the experienced gamers, there is usually a cool VIP program that also includes lots of gifts and even with the smallest deposit, you can get huge wins, due to all the cool offers.
There is a myth that with such budget casinos, you will not receive high-quality games and the same professional service. Nevertheless, it is not true. All casinos have pretty much the same games in the catalogs, they usually offer the same game providers. If you don’t believe then take any minimum deposit platform and another one with high deposit and try to find the same game. You will be surprised, but the game collection will be the same. As for the support team and quick payout, everything is almost identical, because each casino bothers about every registered user and its reputation, to begin with.
Such minimum deposit sites are cool for all the new gamers who want to get an experience and at the same time not to lose lots of money. There is such a chance for sure, just register your account on any reliable platform and make your first deposit. Now you have the full excess to all the latest games, welcome bonuses, loyalty program, professional support team, and more. This is offered for any member even with the lowest possible deposit.
The best recommendation for all the new gamers is also to review the terms and conditions which you agree with while signing up. Usually you will find there not the same things as you see on the bright and colorful ad while choosing this platform. All these terms are easily accessible just enter a FAQ section or contact a support team.
Summing up
Hope that in this review you have found all the bothering questions that you were searching for. It is a practical article with lots of real examples and recommendations according to the usage of such recourses. All the mentioned casinos are definitely reliable and secure; you can be sure in this and start gaming right now without any borders or restrictions.
Most of the above-discussed gambling platforms have a similar process of registration; there are lots of in common when talking about promotions and bonuses. Usually, there is only a minimal difference in the sum of the Welcome Bonus that you can receive. So, if you want to get detailed information about the chosen website, you should better enter the “help” section there and review all the terms that are really important especially for new gamers. Usually, there will be lots of data on this topic and you’d better carefully review everything prior registration. Otherwise, you will face trouble because of your inattentiveness and careless attitude towards the gaming process.
Anyone can become a jackpot winner tomorrow, it just requires a little bit of practice and attention. Where is the best place to find this practice? Of course, it should be done on the minimum deposit casinos. There you will learn something about tactics and that is the most important component of any huge jackpot.
Don’t waste your time anymore and register only on the most reliable casino right now!
Author : Juan E. Truett
A significant advantage of regulated online casinos is that you can enjoy playing games for small amounts of money.
With many New Jersey and Pennsylvania casinos, you can get started for as little as $5. You can access jackpot slots, entertaining table games and, in some cases, live dealer casinos. In other states, sweepstakes casinos provide a unique way to enjoy real money casino gaming.
This page covers everything you need to know to get the best from minimum deposit casinos. You’ll find information on how to deposit, what games are best for small-stakes play and how to get the most from casino bonus deals.
Online Casinos Accepting $5, $10 & $20 Deposits
Bonus offers at the top US minimum deposit casinos
Online Casino Games With No Minimum Deposit Bonuses
All regulated casinos offer bonuses for new players. Most of these are available to players that deposit minimums, though you might not be able to take full advantage of matched deposit bonuses this way.
Before you even make a deposit, look out for casinos that offer free play or free cash up front by merely registering. This is a great way to check out the real money games without taking any financial risk. All bonuses will come with playthrough requirements and a fixed duration. Making sure you read the terms and conditions will ensure you don’t fall foul of these terms.
The most popular type of welcome bonus is matched to your first deposit. Some of these are large (several hundred dollars, in some cases). For example, if you are only depositing $20, you will still get a matched bonus of $20 more. At the same time, you’d be missing out on the bonus money for larger deposits.
Free spins, tournament entries, loyalty rewards and one-off promotions will still be available to minimum deposit players.
Online casinos with small minimum deposit requirements
Online Casino | Deposit Amount | Banking Method | Legal In |
---|---|---|---|
Chumba Casino | $5 | Credit Card | All US (except WA) |
Luckyland Slots | $4.99 | Credit Card | All US (except WA) |
FunzPoints Casino | $4.99 | Credit Card | All US (except WA) |
BetMGM | $10 | Visa or PayPal | MI, NJ, PA & WV |
DraftKings | $5 | Visa or PayPal | MI, NJ, PA & WV |
FanDuel | $10 | Visa or PayPal | NJ, PA, WV |
Golden Nugget | $10 | Visa or PayPal | NJ |
Caesars | $10 | Visa or PayPal | NJ, PA |
PokerStars | $10 | Visa or MasterCard | NJ, PA |
Best sweepstakes casinos for minimum deposit players
Outside of New Jersey and Pennsylvania, you can win real cash prizes via sweepstakes gambling laws. This allows players all over the country to legally gamble, except for Washington, D.C.
There are three leading players in this field, both of which offer generous incentives for new players:
- Chumba Casino: Most of the games at this leading sweepstakes casino are slots, with many brand-new titles to explore. New players get 2 free Sweeps Coinsjust for registering. This virtual coin is usable on slots, as any winnings can be exchanged back into dollars and withdrawn. You purchase “gold coins” and receive the equivalent in Sweeps Coins. For just $5, you can purchase 90,000 Gold Coins and receive an extra $10 in Sweeps Coins for free.
- Funzpoints: Funzpoints is another excellent option for sweepstakes casino play. If you use our link when you register, you can set yourself up with 1,000 Funzpoints, which are good for free play, and $2.50 in Premium Funzpoints, which are withdrawable in certain amounts. Additionally, you will receive up to $20 extra on your first deposit to the site. The minimum deposit amount is $4.99, and you can start playing right away.
- Luckyland Slots: This sweepstakes casino is Chumba Casino’s sister site. It has a small selection of slots, though there are no table games. Instead of a no purchase offer, Luckyland offers double Sweeps Coins on your first gold coins purchase of $4.99. Luckyland accepts credit card deposits.
Top minimum deposit casino offers for regulated states
With established casinos set up as partnerships between live venues and big international gaming companies, there are a lot of choices for NJ, PA, WV and MI residents and visitors.
Here are the top picks if you’re seeking a real money casino with low deposit requirements:
1. DraftKings Casino
DraftKings is not just for sports bettors and DFS players anymore. In partnership with Resorts Atlantic City, DraftKings Casino has scads of slots, table games, and live dealer games available around the clock. New players who use our secure link can get a whopping $45 for free when they sign up. You will also be due for a 20% deposit bonus, and you can put up to $1,500 of extra money in your pocket from the deal. Finally, DraftKings will also give you $100 in blackjack credits. With so many offers and an extremely manageable minimum deposit amount of $5, it’s not hard to see why DraftKings is our top choice.
DraftKings Casinos Legal States: MI, NJ, PA & WV
2. BetMGM
It should not come as a surprise that BetMGM is partnered with Borgata. After all, both casinos are part of the MGM Resorts International empire. However, what may be surprising is the fact that you can put more than $1,000 extra into your account when you register for an account. With promo code PLAYNJFREE, new players on BetMGM will receive a $25 no deposit bonus to get them started and a dollar-for-dollar match on their first deposit – all the way up to $1,000. If you want to start small, though, the minimum deposit onsite is just $10.
BetMGM Casino Legal States: MI, NJ, PA & WV
3. FanDuel Casino
The two biggest downsides to playing casino games are the possibility that you might lose and the stress that accompanies that possibility. FanDuel Casino in Pennsylvania takes away both of those problems for new players on their first day. Those who sign up to play with our link above can play risk-free for their first 24 hours up to $200. Any net losses will be refunded to your account, so you can just play and breathe without fear. FanDuel has a minimum deposit requirement of just $10, so there’s no reason not to give the DFS giant a try.
FanDuel Casino Legal States:
4. Hollywood Casino
Hollywood Casino is another great option for those looking for minimum deposit casino offers in Pennsylvania. The Penn National-owned site has quite a unique offer on tap for new players to the site. If you follow our link above, you will receive $10 in your new account. However, the real fun begins when you start depositing. If you use the promo code DOUBLETAKE, you can get 100% of your first TWO deposits matched up to $251. In other words, you can get an extra $502 with Hollywood. It’s a great deal, and with Hollywood’s low $10 minimum deposit, almost anyone can take advantage.
Hollywood Casino Legal States:
Casinos with low withdrawal limits
While most players look for small deposit limits, it can be worth checking the withdrawal limits before you play. You should look for low limits, which will avoid trapping your bankroll online.
For example, if a casino accepts a deposit as low as $10, though requires $100 to be accumulated before allowing a withdrawal, that 10x target may be hard to hit. Fortunately, most regulated casinos have smaller withdrawal limits. These start at $10, in many cases, though for checks or bank wires, you will be looking at $25 to $50 before a withdrawal can be processed.
Small deposit casinos and banking options
When you deposit at an online casino, you’ll want to avoid transaction charges and high minimum deposits. Most regulated casinos will have minimum deposit levels of between $10 and $25, depending on what method you choose.
The amount you can deposit is only one aspect of choosing a banking option. The cards and accounts you have and your approach to online banking security will also play a role.
Here are the different casino deposit methods, along with notes on how each one works and the standard minimum deposit range:
- PayNearMe: This is a cash deposit option. You get a barcode from your online casino’s cashier, then you take it to your local 7-Eleven store. While the minimum deposit amount is low (starting at $10), there is a $3.99 charge for using this service. This fee makes PayNearMe expensive as a proportion of your total deposit.
- Casino cage: All regulated state casinos in NJ and PA have a brick-and-mortar casino as their primary license holders. This means that you can visit the cage and deposit with cash. There are no fees for this, and a minimum deposit of just $10 is standard. If you are in your local casino, this is an easy way to top off your account.
- Neteller: This service is similar to PayPal, though it has one crucial difference. The fees are paid by the sender (with PayPal, you pay when you receive the money). These fees are small, and Neteller provides a secure, third-party option between your bank and the casinos. Minimum deposits again start at $10 at most legal casinos. You might also find some casinos offering deposits with Skrill, which is a similar e-wallet service.
- PayPal: The most popular electronic wallet is not accepted by every state-regulated casino, though many will welcome this. The charges occur when you upload funds and receive your cash out. If you have money in your PayPal account, you can deposit for free. Again, minimum casino deposits are $10 in most cases.
- Online banking: A novel way that legal casinos accept deposits is using bill pay. You can also use this online banking system for paying utility bills. Each casino provides a list of major banks. There are no additional charges for this option, though the minimum deposit amount is usually higher than the other options, starting at around $25.
- ACH transfer: This option is also known as e-checks. It is the electronic equivalent of an old paper check. You need to get around the clearing time to make this work. Most online casinos use a third-party option, such as VIP preferred. You get verified (documents checked) by them, and then have access to instant deposits and withdrawals using ACH. Minimum deposits start at just $10.
- VisaorMastercard: Credit and debit cards are the fastest casino deposit option, and for many people, they are the most convenient. Making a deposit works just like making any purchase online. You can deposit as little as $10.
- Prepaid debit card: Many regulated casinos have issued branded debit cards. As long as you have the balance to cover your purchase or ATM withdrawal, these cards work the same as your regular bank cards. The advantage is that you can separate your bank and the casino transactions by topping up your prepaid card first, then using this for deposits and withdrawals. Expect minimum deposits to start at $10.
Advantages to making a small casino deposit
- Allow access to exciting real money slots and casino games for players without big gambling bankrolls.
- Unlock bonuses and promotions that include free play and matched offers.
- Allow players to test out several casinos without a big financial commitment.
Disadvantages to making a small casino deposit
- May not reach the threshold to take maximum advantage of deposit bonuses.
- Transaction fees are larger as a percentage of the deposit amount with some methods.
- Bankroll for table games can be too small for the natural swings in the games.
Minimum deposit casinos and their online games
You’ll have a vast choice of casino games. These are dominated by slots, keno, video poker and table games, though many innovative variations also exist.
A big advantage of playing online is that the stakes start a lot smaller than in a brick-and-mortar casino. For example, instead of a $5 minimum for blackjack, you’ll often be able to bet from 50 cents per hand.
While your choice of game for any bankroll size should mostly be determined by what you enjoy the most, there are some factors to consider:
- Slots: This is the biggest choice of games at all online casinos. There are versions of the live slots you know and love, plus hundreds more which are online-only. Minimum bets start at around 20 to 30 cents, which makes these games suitable for small bankroll players.
If a slot has a progressive jackpot, I recommend checking the minimum bet levels. Often, a more substantial bet is needed to be in with a shot at winning these. There are plenty of ways to win big without jackpots, e.g., via bonus games or wild symbols. I recommend saving a shot at the bigger progressives until you have built your bankroll elsewhere. - Table games: If you are playing blackjack or roulette against the software, smaller bets are common. At many casinos, the most popular way to enjoy table games is with live dealers. These games are streamed live from a studio inside major casinos. Bets for live dealer games start at $1 per hand, making them unsuitable for tiny bankrolls. You can find smaller stakes on the software-based equivalents.
- Video poker: The smaller house edge of video poker games (assuming you know the basic strategy) keeps these games popular. You can play many variations for small stakes. Keep in mind, the volatility of “bonus poker” variations is higher than for jacks or better, making those versions better for larger bankrolls.
Taking advantage of sweepstakes casinos
Outside of New Jersey and Pennsylvania, sweepstakes casinos provide legal casino gambling.
Online Casino Games With No Minimum Deposit Bonus
These work because they make a bet a mini-sweepstakes contest. You can’t buy chips, so instead, you buy “gold coins” (or the equivalent), which are play money chips. The sweepstakes casinos then give you “Sweeps Coins” for free to enjoy real cash prizes.
You can take advantage of these in two ways.
First, you can get a small amount of free cash just for signing up. This might only be a couple of dollars, though you never know when you’ll hit a big prize with it on a slot.
Online Casino Games With No Minimum Deposit Accounts
Second, sweepstakes casinos offer matched deposit bonuses. These will always cover your first deposit, though they may also cover future deposits.