How do free online casinos work?
Sweepstakes casinos operate under US federal sweepstakes law, which allows them to run prize competitions across most states without requiring a gambling licence. They're not online casinos in the traditional sense — they don't take real money bets. Instead, they use a two-currency system.
- The first currency is Gold Coins (the name varies by platform — some call them Coin Credits or a branded equivalent). Gold Coins are used for free-play entertainment only and have no cash value. You receive them free on sign-up, earn more through daily logins and promotions, or buy packages if you want more.
- The second currency is Sweeps Coins. These are the ones that matter for prizes. Sweeps Coins are earned through free sign-up bonuses, daily logins, referrals, and the AMOE mail-in method. When you play casino-style games using Sweeps Coins and meet the simple play-through requirement, those coins can be redeemed for real cash prizes or gift cards.
The key rules that make it free
Under sweepstakes law, every operator must offer a free method of entry — meaning you must always be able to receive Sweeps Coins without paying anything. This is not a workaround or a loophole. It is a legal requirement that every sweepstakes casino on this page is obligated to provide. The AMOE (Alternative Method of Entry) is the most direct version of this: send a handwritten request by post to the operator and receive Sweeps Coins in return, typically within 2 to 3 weeks.
No purchase is necessary to receive your sign-up Sweeps Coins, to earn daily login bonuses, or to redeem prizes. Optional Gold Coin purchases exist but they are never required. Every platform on this page can be used completely free from sign-up to redemption.
Best free casinos to win real money prizes ranked
Every platform below is free to join and free to play. All give you Sweeps Coins on sign-up that are redeemable for real cash prizes. No deposit is ever required to start playing or to redeem prizes — though optional Gold Coin purchases are available if you want a larger balance.
| Casino | Free sign-up bonus | Games | Redemption method | Available states |
|---|---|---|---|---|
| Crown Coins | 100,000 CC + 2 SC | 700+ | Gift cards, bank transfer | AK, AL, AR, AZ, CO, DC, DE, FL, GA, HI, IA, IL, KS, KY, MA, MD, MN, MO, MS, NC, ND, NE, NH, NM, OH, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, WV, and WY |
| Stake.us | 25,000 GC + 25 SC | 2,000+ | Cryptocurrency, gift cards | AK, AL, AR, CO, DC, FL, GA, HI, IA, IN, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OH, OK, OR, SC, SD, TX, UT, VA, WI, and WY |
| LoneStar Casino | 100,000 GC + 2 SC | 500+ | Gift cards, bank transfer | AK, AL, AR, CO, DC, FL, GA, HI, IA, IL, IN, KS, KY, MA, MN, MO, MS, NC, ND, NE, NH, NM, OH, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
| McLuck | 7,500 GC + 2.5 SC | 1,300+ | Gift cards, bank transfer | AK, AL, AR, AZ, CO, DC, FL, GA, HI, IA, IL, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OK, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
| MegaBonanza | 7,500 GC + 2.5 SC | 1,000+ | Gift cards, bank transfer | AK, AR, AZ, CO, FL, GA, HI, IA, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
| Jackpota | 7,500 GC + 2.5 SC | 700+ | Gift cards, bank transfer | AK, AR, CO, FL, HI, IA, IN, KS, MA, MN, MO, NC, ND, NE, NH, NM, OH, OK, OR, SC, SD, TX, VA, VT, WI, and WY |
Crown Coins
- Cash and gift card redemptions
- iOS mobile app available
- VIP rewards program
- Live chat support
- No table games
Crown Coins is one of the most accessible free casinos for new players. You receive 100,000 Coin Credits and 2 Sweeps Coins just for creating an account — no purchase, no card details, nothing to pay. The platform has a clean, easy-to-navigate interface and a 700+ game library covering slots, table games, and instant wins. The iOS app holds a 4.5 App Store rating.
Crown Coins accepts Gold Coin purchases via Visa, Mastercard, and Apple Pay for players who want a larger balance, but you can play and redeem prizes entirely through free coins. Daily login bonuses, social media giveaways, and periodic promotional events add to your balance regularly. Prizes are redeemed for gift cards or via bank transfer.
| Free sign-up bonus | 100,000 Coin Credits + 2 Sweeps Coins |
| Play-through on SC | 1x |
| Games | 700+ including slots, table games, instant wins |
| Live dealer | No |
| Redemption method | Gift cards, bank transfer |
| Daily login bonus | Yes |
| App Store rating | 4.5 ⭐ |
| Available in | AK, AL, AR, AZ, CO, DC, DE, FL, GA, HI, IA, IL, KS, KY, MA, MD, MN, MO, MS, NC, ND, NE, NH, NM, OH, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, WV, and WY |
Stake.us
- Multiple bonuses
- Over 2,500 casino-style games
- 24/7 live chat
- No dedicated Android app
Stake.us gives new players 25,000 Gold Coins and 25 Sweeps Coins on sign-up — the highest free SC bonus of any sweepstakes casino on this page. The platform has 2,000+ games including a live dealer section with blackjack, roulette, and baccarat, plus Stake Originals — proprietary casino-style games like Plinko, Crash, Dice, and Limbo, all with a published 99% return rate. The 3x play-through requirement on Sweeps Coins is one of the lowest in the market.
Stake.us redeems prizes exclusively in cryptocurrency, which processes quickly. It's the best choice for players comfortable with crypto who want the most free coins on day one and access to unique games not found at other sweepstakes platforms. Note that Stake.us is restricted in more US states than the other casinos on this page.
| Free sign-up bonus | 25,000 GC + 25 SC — highest on this page |
| Play-through on SC | 3x |
| Games | 2,000+ including live dealer and Stake Originals |
| Live dealer | Yes — blackjack, roulette, baccarat |
| Redemption method | Cryptocurrency only |
| Stake Originals RTP | 99% (Dice, Plinko, Crash, Limbo) |
| Daily login bonus | Yes — 1 SC per day |
| Available in | AK, AL, AR, CO, DC, FL, GA, HI, IA, IN, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OH, OK, OR, SC, SD, TX, UT, VA, WI, and WY |
LoneStar Casino
- 500+ casino-style games
- 7-tier loyalty program
- SC redemptions for gift cards and cash prizes
- No mobile app
LoneStar Casino gives new players 100,000 Gold Coins and 2 Sweeps Coins on sign-up. It's available in a wider range of US states than most competitors, making it a strong option for players who find other sweepstakes platforms restricted in their state. The Texas-inspired theme runs throughout the platform and the game library covers 500+ titles including slots and table games.
Daily login bonuses and regular social media promotions add free coins on top of the sign-up package. LoneStar accepts Apple Pay for optional Gold Coin purchases, making top-ups quick for iOS users who choose to buy. Prizes are redeemed via gift cards or bank transfer.
| Free sign-up bonus | 100,000 GC + 2 SC |
| Play-through on SC | 1x |
| Games | 500+ slots and table games |
| Live dealer | No |
| Redemption method | Gift cards, bank transfer |
| Daily login bonus | Yes |
| Available in | AK, AL, AR, CO, DC, FL, GA, HI, IA, IL, IN, KS, KY, MA, MN, MO, MS, NC, ND, NE, NH, NM, OH, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
McLuck
- Numerous promotions
- Excellent customer support
- iOS and Android app available
- Not available in all US states
McLuck gives new players 7,500 Gold Coins and 2.5 Sweeps Coins for free on sign-up. With 1,300+ games and a confirmed live dealer section covering blackjack, roulette, and baccarat, McLuck has one of the most complete free casino game libraries on this page. The 10 SC minimum redemption is one of the lowest in the market — you don't need to accumulate a large balance before cashing out.
Gift card redemptions process within 24 hours. The McLuck Loyalty Club rewards regular players with tier-based bonuses that grow with activity. The iOS app holds a 4.5 App Store rating. Daily login bonuses are credited automatically on each app open, making it easy to build your Sweeps Coin balance with no effort beyond logging in.
| Free sign-up bonus | 7,500 GC + 2.5 SC |
| Play-through on SC | 1x |
| Games | 1,300+ including live dealer |
| Live dealer | Yes — blackjack, roulette, baccarat |
| Redemption method | Gift cards (24 hours), bank transfer |
| Min redemption | 10 SC |
| App Store rating | 4.5 ⭐ |
| Available in | AK, AL, AR, AZ, CO, DC, FL, GA, HI, IA, IL, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OK, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
MegaBonanza
- Starting off is exciting with a 150% Extra Coins reward and a 5,000 Gold Coins welcome offer.
- Registering gets you GC 7,500 and SC 2.5, which is pretty generous.
- There are over 800 games from top providers, so you'll have plenty of options to explore.
- You're automatically entered into the Mega Bonanza Jackpot Play, giving you exciting chances to get rewarded.
- The redemption process might be a bit slow, taking 1-5 days, which some might find inconvenient compared to other platforms.
MegaBonanza gives new players 7,500 Gold Coins and 2.5 Sweeps Coins on sign-up. With 10+ live tables and 1,000+ games overall, it has the most live dealer content of any free casino on this page outside of Stake.us. Hourly and daily Mega Jackpot prize draws give players extra chances to earn real cash prizes just by playing normally — no separate opt-in required.
Gift card redemptions process within 24 hours. The iOS app holds a 4.8 App Store rating — the highest of any sweepstakes casino on this page for mobile. MegaBonanza is restricted in more US states than Crown Coins or LoneStar, so check availability for your state before registering.
| Free sign-up bonus | 7,500 GC + 2.5 SC |
| Play-through on SC | 1x |
| Games | 1,000+ including 10+ live tables |
| Live dealer | Yes — 10+ live tables |
| Redemption method | Gift cards (24 hours), bank transfer |
| Mega Jackpot draws | Yes — hourly and daily prizes |
| App Store rating | 4.8 ⭐ |
| Available in | AK, AR, AZ, CO, FL, GA, HI, IA, KS, MA, MN, MO, MS, NC, ND, NE, NH, NM, OR, PA, RI, SC, SD, TX, UT, VA, VT, WI, and WY |
150% First Purchase Offer: Up to 600K Gold Coins + 303 SC FREE
Jackpota
- 1,500 Vegas style games
- Great live dealer options
- Superb gaming software
- Competitive SC redemption terms
- No app
- No VIP program
Jackpota gives new players 7,500 Gold Coins and 2.5 Sweeps Coins on sign-up. The platform has a focused 700+ game library with a strong emphasis on slot titles. The sign-up process is quick and the interface is straightforward — making it one of the easier free casinos to get started on for players new to the sweepstakes format.
Jackpota runs regular social media promotions and referral bonuses that give existing players additional free Sweeps Coins beyond the daily login rewards. Prizes are redeemed via gift cards and bank transfer. Available in a broad range of US states.
| Free sign-up bonus | 7,500 GC + 2.5 SC |
| Play-through on SC | 1x |
| Games | 700+ slots and table games |
| Live dealer | No |
| Redemption method | Gift cards, bank transfer |
| Referral bonus | Yes — free SC per successful referral |
| Available in | AK, AR, CO, FL, HI, IA, IN, KS, MA, MN, MO, NC, ND, NE, NH, NM, OH, OK, OR, SC, SD, TX, VA, VT, WI, and WY |
Get up to 500K Gold Coins + 105 FREE SC + 1000 VIP points
+3
- 100,000 GC + 2.5 SC welcome bonus
- Slots, table games, and arcades
- 25+ renowned software providers
Get 200% More Coins on First Purchase - 1.5M CC + 75 SC
+4
- Library of 500+ slot games
- Well-known software providers
- Fair games with certified RNGs
120K GC + 60 SC FREE + a chance to win 500 SC FREE
+4
- 1,000+ casino-style games
- Games sourced from top-rated providers, such as Playtech
- Slots and live social dealer games are available
How to redeem real cash prizes
Redeeming your Sweeps Coin prizes is a straightforward process. The steps below apply to all six casinos on this page, with minor differences in minimum amounts and available payout methods.
- Sign up for free: Create an account at any casino on this page. No payment details are required. Your free Sweeps Coins are credited automatically once registration is complete.
- Play casino-style games with Sweeps Coins: Select Sweeps Coins as your active currency and play any eligible game. Your Sweeps Coin balance increases when you win and decreases when you lose, just like a standard balance.
- Meet the play-through requirement: Most platforms require you to play through your Sweeps Coins once (1x) before redeeming. This means if you have 5 SC, you need to place 5 SC worth of total play before cashing out. Stake.us requires 3x. This is a very low threshold compared to standard casino bonus wagering requirements.
- Verify your identity: Before your first redemption, you'll need to verify your identity with a government-issued ID and proof of address. This is a legal requirement under sweepstakes regulations and usually takes 24 to 48 hours to process.
- Go to the redemption section: Navigate to the cashier or redeem section in your account. Select your preferred redemption method — gift card, bank transfer, or cryptocurrency depending on the platform.
- Receive your prize: Gift card redemptions typically arrive within 24 to 48 hours. Bank transfers take 3 to 10 business days. Cryptocurrency redemptions at Stake.us process much faster, usually within hours.
How to get free Sweeps Coins without buying
Every casino on this page gives you multiple ways to earn Sweeps Coins for free. Building your balance without spending anything is entirely possible — especially on platforms like Stake.us that offer 1 SC per daily login, or at any casino with an active referral program. Here are all the free methods available.
🎁 Sign-up no-purchase bonus
Every casino on this page credits free Sweeps Coins to your account as soon as you register, without requiring a purchase or payment details. Stake.us gives the most at 25 SC. Crown Coins and LoneStar give 2 SC. McLuck, MegaBonanza, and Jackpota give 2.5 SC. These are yours to play through and redeem from day one.
📅 Daily login bonus
Simply opening the app or website each day earns you free coins. Most platforms credit between 0.3 and 0.5 SC per day alongside Gold Coins. Stake.us gives a full 1 SC every day you log in — 30 SC per month with no play required. Daily login bonuses compound significantly over time for players who check in consistently.
✉️ AMOE — free mail-in entry
Every sweepstakes casino is legally required to offer a free mail-in method of entry. Send a handwritten request to the operator's registered address and receive between 2 and 5 SC depending on the platform. Your coins typically arrive in your account 2 to 3 weeks after the envelope is received. It's slow but completely free and the coins are fully redeemable.
👥 Referral bonuses
Invite friends to join and earn free Sweeps Coins when they sign up and meet basic requirements. Most platforms give between 10 and 40 SC per successful referral. Stake.us tracks lifetime referral activity for ongoing rewards, not just a one-time sign-up credit. There's no cap on how many people you can refer.
📱 Social media promotions
Every casino on this page runs regular coin giveaways on Facebook, Instagram, and X (Twitter). Following the official accounts and engaging with posts (liking, sharing, commenting) is a consistent source of free SC codes. The amounts are typically small — 0.5 to 2 SC per promotion — but they add up across multiple platforms.
🎡 Bonus wheels and daily rewards
Several platforms including McLuck run daily reward wheel spins or bonus claim features that award free coins without requiring any purchase or activity beyond logging in. Check the Rewards or Promotions tab in your account each day for available free claim options.
What games are available at free online casinos?
The game libraries at sweepstakes casinos have grown significantly in recent years. Most platforms now offer the full range of casino-style game types including slots, live dealer tables, and exclusive proprietary formats. The specific games available depend on the platform — live dealer is available at Stake.us, McLuck, and MegaBonanza but not at Crown Coins, LoneStar, or Jackpota.
🎰 Slots
The largest category at every sweepstakes casino. Covers classic three-reel formats, modern video slots, megaways titles, and jackpot slots. All games on this page function identically to real money slots in terms of gameplay and RNG mechanics. Stake.us carries 2,000+ slot titles. McLuck carries 1,300+.
📺 Live dealer games
A real dealer streaming from a studio in real time. You play blackjack, roulette, or baccarat using Sweeps Coins, with wins credited to your balance just like a regular live casino. Available at Stake.us, McLuck, and MegaBonanza. MegaBonanza has 10+ live tables. This is the closest free casino experience to a licensed real money live casino.
🃏 Blackjack and table games
RNG versions of blackjack, roulette, baccarat, and video poker are available at most platforms on this page. These play identically to real money casino versions. The house edges are the same. Basic strategy applies to blackjack just as it would at any real casino.
🎲 Stake Originals (Stake.us only)
Stake.us carries a library of proprietary casino-style games including Dice, Plinko, Crash, Limbo, and Mines — all with a published 99% return rate. These formats are not available at any other sweepstakes platform and give Stake.us a genuinely distinct game selection beyond its standard slots and table games.
⚡ Instant win and scratch card games
Most platforms carry instant-win titles where the result is determined immediately without spinning or dealing. These are quick-play formats suited to short sessions. Available across all six platforms on this page alongside the main slot and table game categories.
🎯 Jackpot games
Several platforms run linked prize draw mechanics or jackpot-style games where large prizes are awarded periodically. MegaBonanza runs hourly and daily jackpot draws. Stake.us has jackpot-eligible titles. These operate under sweepstakes rules — they are prize competitions, not gambling jackpots.
Are free online casinos legal?
Sweepstakes casinos are legal in most US states. They operate under federal sweepstakes law rather than state gambling regulations, which means they don't need a casino licence. The free method of entry (AMOE) is the legal foundation that makes the model valid — because no purchase is required to win, the activity is classified as a sweepstakes promotion rather than gambling.
A small number of states have restrictions or prohibitions that affect some or all sweepstakes casinos. Washington State prohibits online sweepstakes gambling. Some platforms also restrict access in specific states due to their own compliance policies. Always check the availability section on the casino's sign-up page before registering. Every platform on this page shows which states it accepts at registration.
Free online casino vs real money casino
Both sweepstakes casinos and real money casinos offer casino-style games and real prize redemption. The key differences are how you fund your account, who regulates the platform, and which states you can access them from.
| Free online casino (sweepstakes) | Real money online casino | |
|---|---|---|
| Cost to start | Free — no purchase required | Deposit required (min $5–$10) |
| Real cash prizes | Yes — via Sweeps Coin redemption | Yes — direct cash winnings |
| US state availability | Most states (exceptions apply) | MI, NJ, PA, WV only |
| Regulation | Federal sweepstakes law | State gaming authority licence |
| Game types | Slots, table games, live dealer (select platforms) | Slots, table games, live dealer, video poker |
| Welcome bonus | Free coins on sign-up, no purchase needed | Deposit match or free spins (deposit required) |
| Withdrawal speed | 24–48 hours (gift cards), 3–10 days (bank transfer) | Hours (PayPal/Venmo) to 5 days (bank) |
| Purchase ever required? | No — never | Yes — deposit required to play |
How we rate free online casinos
🎁 Free sign-up Sweeps Coin value
We check how many Sweeps Coins are credited on sign-up without any purchase. Stake.us gives the most at 25 SC. The higher the free sign-up SC, the more play — and real prize potential — a new player has from day one at no cost.
📋 Play-through requirement
We assess the play-through requirement on Sweeps Coins. Most platforms require 1x — you simply play through your balance once before redeeming. Stake.us requires 3x. Lower requirements mean faster access to redemption.
🎰 Game library quality and variety
We assess the total game count, the range of formats, and whether live dealer is available. Stake.us leads on game volume at 2,000+. McLuck and MegaBonanza lead on live dealer quality. Stake Originals at Stake.us are a unique differentiator not available elsewhere.
💸 Redemption speed and options
We verify how quickly prize payouts are processed and which methods are available. Gift card payouts at 24 hours (McLuck, MegaBonanza) are the fastest standard option. Bank transfer takes 3 to 10 days. Cryptocurrency at Stake.us is the fastest of all, typically within hours.
📅 Free coin earning opportunities
We check how many ways to earn Sweeps Coins exist beyond the sign-up bonus — daily login, AMOE, referrals, social media. Platforms with more free earning options deliver more long-term value for players who never want to purchase.
📍 State availability
We verify which US states each platform accepts. Crown Coins and LoneStar have the broadest reach. Stake.us is restricted in more states than most. We flag any significant state restrictions in each platform's entry.
Responsible play
Sweepstakes casinos are free to play, but the casino-style game formats are designed to be engaging and the optional purchase mechanic means it's possible to spend money on Gold Coin packages. If you choose to make purchases, treat them as entertainment spending and set a firm budget before purchasing. All platforms on this page offer the option to set purchase limits or self-exclude from the site entirely.
If gambling in any form is becoming a problem, free and confidential support is available from the following organizations.
- National Council on Problem Gambling (NCPG) — 24/7 helpline, chat, and text support. Call or text 1-800-522-4700.
- Gamblers Anonymous — Peer support groups based on a 12-step recovery program, with meetings available across the US.
Final thoughts
Sweepstakes casinos are the most practical way to play casino-style games for real cash prizes without spending anything. Every platform on this page gives you free Sweeps Coins from the moment you sign up, and those coins can be redeemed for real money through gift cards or bank transfer once you've met a simple play-through requirement. For players in states without licensed real money casinos — or anyone who simply wants to play without financial risk — they offer a genuine free alternative.
Stake.us gives the most free coins on sign-up and has the deepest game library. Crown Coins and LoneStar are available in the broadest range of states. McLuck and MegaBonanza are the best choices for live dealer play at no cost. Use our links to sign up at any platform on this page and collect your free Sweeps Coins today.
Get up to 500K Gold Coins + 105 FREE SC + 1000 VIP points
+3
- 100,000 GC + 2.5 SC welcome bonus
- Slots, table games, and arcades
- 25+ renowned software providers
Get 200% More Coins on First Purchase - 1.5M CC + 75 SC
+4
- Library of 500+ slot games
- Well-known software providers
- Fair games with certified RNGs
120K GC + 60 SC FREE + a chance to win 500 SC FREE
+4
- 1,000+ casino-style games
- Games sourced from top-rated providers, such as Playtech
- Slots and live social dealer games are available
FAQs
Can you really win real money at free online casinos?
Yes. Sweepstakes casinos let you redeem Sweeps Coins for real cash prizes via bank transfer, gift cards, or cryptocurrency. Sweeps Coins are earned for free through sign-up bonuses, daily login rewards, referrals, and the AMOE mail-in method. No purchase is ever required to earn or redeem them.
How do sweepstakes casinos work?
Sweepstakes casinos use two currencies: Gold Coins (entertainment-only, no cash value) and Sweeps Coins (redeemable for real prizes). You receive both free on sign-up. Play casino-style games using Sweeps Coins, meet a simple play-through requirement (usually 1x), verify your identity, and redeem your balance for cash or gift cards.
Which free casino gives the most Sweeps Coins on sign-up?
Stake.us gives the most with 25 free Sweeps Coins on account creation — the highest free SC bonus of any sweepstakes casino. Crown Coins and LoneStar give 2 SC. McLuck, MegaBonanza, and Jackpota give 2.5 SC. All are credited without any purchase required.
Do I need to make a purchase to redeem prizes?
No. You can sign up, play with your free Sweeps Coins, and redeem prizes entirely without making any purchase. Optional Gold Coin packages are available if you want a larger balance, but they are never required. The free method of entry is a legal requirement at every sweepstakes casino.
How long does it take to receive a prize?
Gift card redemptions are typically processed within 24 to 48 hours. Bank transfers take between 3 and 10 business days depending on the platform and your bank. Cryptocurrency redemptions at Stake.us are the fastest, usually completing within a few hours.
Are sweepstakes casinos legal in my state?
Sweepstakes casinos are legal in most US states. Washington State is the most notable exception. Some platforms also restrict access in specific states based on their own compliance policies. Check the sign-up page of any platform on this page to confirm availability in your state before registering.
What games can I play at free online casinos?
Slots, table games (blackjack, roulette, baccarat), instant-win games, and at select platforms — live dealer games. Stake.us has 2,000+ games including live dealer and Stake Originals. McLuck and MegaBonanza both have live dealer sections. Crown Coins, LoneStar, and Jackpota focus on slots and RNG table games.
What is the AMOE free entry method?
AMOE stands for Alternative Method of Entry. Sweepstakes casinos are legally required to offer a free way to receive Sweeps Coins without purchasing anything. The standard method is sending a handwritten request by post to the operator's registered address. You typically receive 2 to 5 SC per submission, arriving in your account 2 to 3 weeks after your letter is received.