How Does Rollcard Work?

Set-Up, Fees, and Everything You Need to Know

Rollcard is a purpose-built debit card designed for regulated US gaming.1 It is designed to help high-volume players move money at higher limits and to reduce the declines, holds, and account flags that can come with standard consumer banking.

If you're evaluating Rollcard for the first time, this guide covers everything: setup, funding, withdrawals, fees, limits, and security.

US-only
Built for Legal Sportsbooks , Casinos and Prediction Markets

Apply Now

What is Rollcard?

Rollcard is not a prepaid card, digital wallet, or workaround layered on top of your existing account. It is a debit card connected to a dedicated deposit account. Rollcard deposits held at Cross River Bank, Member FDIC, insured up to $250,000. Rollcard LLC is not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.

That account is designed specifically for gaming activity. Instead of mixing betting transactions with personal spending, Rollcard provides a separate place to fund sportsbooks, casinos and prediction markets. Withdraw winnings, and manage your bankroll with clear records and predictable limits.

How Rollcard works

At a high level, Rollcard follows a simple, familiar flow.

Open a Rollcard account

Apply online and complete identity verification. Once approved, your dedicated deposit account opens and your debit card is issued.

Fund the account via ACH

Link your existing US bank via Plaid and initiate an ACH transfer. Funds are processed on business days (Monday through Friday).

deposit at Licensed Operators

Use your Rollcard debit card to deposit at regulated US sportsbooks, casinos and prediction markets that accept debit payments.

Withdraw funds back to your bank or via ATM

Transfer funds back to your linked bank account via ACH or access cash at participating US ATM networks using your physical card.

Your money lives in your Rollcard account. It is not parked inside operator balances and not mixed with your primary household finances.

Double Cashback In The First 30 Days

Earn competitive cashback rates from day one. +5 basis points higher than comparable gaming debit card accounts. Stay on a roll, start earning now!

Claim offer

OFFER DETAILS

Eligibility

Available to approved New Users during their first 30 days.

Match Percentage

Starts at 0.30% and can go up to 0.55% even on standard monthly rates. Earn double that with our current welcome offer.

Max Bonus

$2,000 for your initial 30 days. $1,000 standard monthly maximum applies after the intro offer.

Setting up a Rollcard account

Getting started with Rollcard is similar to opening any regulated US financial account.

Options:

Apply online with basic personal information
Complete identity verification as required by US law
Once approved, a deposit account is opened and a debit card is issued

Approval is required before use. Rollcard is available to US residents age 21 and over. Transactions are limited to US dollars.

How to add money to Rollcard

Supported funding methods

Rollcard supports standard US funding methods.

ACH transfers from an existing US account, processed on business days according to standard ACH timelines
ACH deposits via plaid for users who prefer to route funds directly from their Rollcard account

Not supported

Cash deposits
International transfers
Non-USD funding

Rollcard does not charge fees for standard ACH transfers. External financial institutions may apply their own fees or processing rules.

How withdrawals work

Withdrawals from Rollcard follow standard electronic transfer processes.

ACH withdrawals

Transfer funds back to your linked account. Processing follows standard business-day schedules.

Rollcard does not guarantee instant withdrawals. Betting operators may apply their own processing times before funds reach your Rollcard account. Once funds are in Rollcard, you control when and how they move.

Rollcard fees and limits explained

Key limits

Up to $ 1,000,000 card spend limit per business day
ACH deposits processed on business days (Monday-Friday). ACH withdrawals subject up to $250,000 limit per business day. ATM cash withdrawals up to $2,000 per business day.

Fees

No fee from Rollcard for standard ACH deposits or withdrawals

Complete fee details are available in the deposit account agreement. If a fee applies, it is disclosed. There are no hidden charges tied to gaming activity.

Where Rollcard Works

Rollcard is designed for use at regulated US sportsbooks, casinos and prediction marktes that accept debit cards.

Rollcard is not intended for offshore or unregulated gaming sites, international merchants, or non-USD transactions.

By focusing on regulated gaming only, Rollcard operates within established US compliance frameworks.

Is Rollcard safe and legitimate?

Yes. Rollcard accounts are legitimate US-issued deposit accounts built specifically for regulated wagering activity.

Protections in place:

FDIC insurance on deposited funds.1 Regulation E consumer protections for electronic transfers2
Visa Zero Liability on unauthorized signature-based transactions
Fraud monitoring and account-level security controls

Who Rollcard is best for

Best suited for

High-volume sports bettors, traders and casino players
Users who experience transaction declines or gaming-related flags
Bettors who want clear records and a separate bankroll account

Not designed for

Everyday spending replacement
International use
Business or commercial activity
Unregulated gambling platforms

Getting started with Rollcard

Options:

Dedicated FDIC-insured deposit account
High per business day limits
Predictable withdrawals using standard electronic transfers
Tools for bankroll management and responsible play

Rollcard is a US-only financial product built for regulated gaming. It combines purpose-built infrastructure with tools designed specifically for how serious bettors move and manage money.

Frequently asked questions

How much does Rollcard cost?

Rollcard has no monthly account maintenance fee, and there are no Rollcard fees to deposit or withdraw by ACH. Any fees that do apply, such as expedited card shipping, are disclosed before you incur them. See the Deposit Account Agreement for the complete fee schedule.

What bank does Rollcard use?

Banking services for Rollcard, including the deposit account and debit card, are provided by Cross River Bank, Member FDIC. Rollcard, LLC operates as the program manager and service provider.

Where is Rollcard legal?

Rollcard is available to residents of all 50 US states and Washington D.C., and you must be at least 21 years old. Gaming laws vary by state, so confirm that sports betting or casino gaming is legal where you live before using your Rollcard.

Why is my bank not letting me gamble?

Many traditional banks decline or flag gaming transactions as a matter of internal risk policy, even when the bet is placed with a legal, regulated US operator. Some block the merchant category outright, others cap the dollar amount or freeze the card after repeated betting activity.