Sign Up at Degencity for Instant Access
A data-led review of Degencity for New Zealand players — bonus terms, payout speed, RTP ranges, banking rails and security, all measured and laid out in plain numbers.
Degencity · Live Terminal
--:--:--Weekly session index · Degencity lobby traffic
- 01Crash & instant originals+18.4%
- 02Megaways pokies+11.2%
- 03Live blackjack tables+7.9%
Operator Snapshot
REF · DGC-NZ-2026- Payout speed9.4 / 10
- Game variety9.6 / 10
- Bonus clarity9.1 / 10
- Mobile experience9.5 / 10
- Support response8.9 / 10
Section 01 · Overview
DGC/01Why New Zealand Players Choose Degencity
Finding an online casino that actually respects your time, your bankroll and your bandwidth is harder than it should be, which is exactly why Degencity has built such a loyal following among Kiwi players. The site was designed around one simple idea: get people playing fast, pay them out without drama, and keep the game library fresh enough that nobody needs a second account anywhere else. From the moment you land on the homepage, the layout is built for speed — a search bar that actually works, provider filters that load instantly, and a registration form short enough to finish before your flat white cools down.
Create your account here and you will see the difference immediately. There is no lengthy questionnaire, no forced phone verification before you can look around, and no confusing multi-step wallet setup. The operator has clearly studied what frustrates players at conventional gaming sites and stripped most of it out.
Built for a Modern, Mobile-First Audience
New Zealand has one of the highest smartphone-penetration rates in the world, and the platform reflects that reality. Roughly three quarters of sessions on a typical modern casino come from a handheld device, and the interface here is engineered with thumbs in mind rather than mouse cursors. Buttons sit within easy reach, bet sliders respond to a single swipe, and the game grid reflows cleanly between portrait and landscape orientation without reloading your session.
A Library That Keeps Growing
The catalogue spans thousands of titles across pokies, live dealer tables, instant-win games and modern crash formats. New releases appear weekly, and the "recently added" carousel makes it easy to spot what dropped this week rather than scrolling past the same handful of evergreen titles you have already played a hundred times. For Kiwi players who enjoy variety, this constant refresh cycle is one of the strongest reasons to keep an account funded.
Transparent Terms Instead of Fine-Print Traps
The conditions attached to promotions at degencity casino are written in plain English rather than legalese. Wagering requirements, maximum bet limits while a bonus is active, and eligible game categories are all laid out before you opt in, not buried in a twelfth-level subpage. That transparency matters enormously, because the single biggest source of player complaints across the industry is a bonus term nobody knew existed until a withdrawal was declined.
Reading the data: every metric on this page reflects a RTP range or a processing window published by the operator and cross-checked against reported player experience in New Zealand.
| Metric | Degencity | NZ Market Avg | Status |
|---|---|---|---|
| Headline pokies RTP | 96.0–96.8% | 95.2% | ABOVE AVG |
| Crypto withdrawal ETA | 5–60 min | 2–6 h | FASTER |
| E-wallet withdrawal ETA | Same day | 1–2 days | FASTER |
| Card / bank transfer ETA | 1–5 days | 1–5 days | PARITY |
| Registration duration | ~120 s | ~5 min | FASTER |
| Live chat first response | ~2 min | ~9 min | FASTER |
| Native app download | Not required | Often required | PWA |
Section 02 · Promotions
DGC/02Degencity Welcome Bonus and Ongoing Promotions
Promotions are where most players make their decision, and the offer structure here is deliberately straightforward. Rather than dangling a headline number that almost nobody can realistically clear, the promotional calendar leans toward achievable value spread across your first several deposits and then sustained through weekly reloads, cashback and tournaments.
Getting Started With the Degencity Welcome Package
Your first deposit is where the value is concentrated. The welcome offer is displayed prominently on the promotions page the moment you register, with the exact percentage, maximum amount and any attached free spins shown side by side with the wagering requirement. Before you claim anything, take thirty seconds to read the eligible games list — pokies almost always contribute 100% toward playthrough, while table games and live dealer titles typically contribute far less or nothing at all. Knowing this in advance is the difference between clearing a bonus comfortably and grinding for days with no progress.
A practical tip: if you are primarily a blackjack or roulette player, consider declining the bonus on your first deposit and playing with straight cash instead. Cash balances carry no playthrough obligation at all, so withdrawals process the moment your funds clear. Bonuses are brilliant for pokies players and less useful for low-volatility table strategists — the platform lets you choose, which is more flexibility than many competitors allow.
Interactive · Wagering Calculator
TOOL-01Lower contribution percentages multiply the workload dramatically — the same bonus that takes 3,500 pokie spins can demand 35,000 units of roulette turnover.
Reloads, Cashback and Weekend Offers
Beyond the welcome package, the ongoing calendar is what keeps regulars engaged. Expect midweek reload percentages, weekend free-spin drops tied to specific new releases, and cashback on net losses calculated across a rolling period. Cashback is particularly valuable because it is usually credited with low or no wagering, meaning it functions as genuine insurance on a rough session rather than another bonus you have to unlock.
Tournaments and Prize Drops at Degencity
Leaderboard races run continuously, ranking players by total wagered or by biggest multiplier hit within a qualifying set of games. These are worth a look even for casual players, because the prize pools are often distributed across dozens of positions rather than concentrated in the top three. Provider-run network drops also appear regularly, adding random cash prizes on top of normal gameplay without any opt-in required.
The VIP and Loyalty Structure
Long-term players accumulate loyalty points on every real-money spin, and those points convert into tiers that unlock higher cashback percentages, faster withdrawal processing, increased limits and eventually a dedicated account manager. Degencity rewards consistency rather than one-off whale deposits, which suits the New Zealand market where most players fund accounts in modest, regular amounts rather than enormous lump sums.
| Tier | Points required | Cashback | Payout priority | Extra |
|---|---|---|---|---|
| Bronze | 0 | 2% | Standard | Weekly reloads |
| Silver | 5,000 | 4% | Standard | Free-spin drops |
| Gold | 25,000 | 6% | Fast lane | Higher limits |
| Platinum | 100,000 | 9% | Priority | Birthday bonus |
| Diamond | 400,000 | 12% | Top priority | Account manager |
The welcome package is waiting on the promotions page. Registration takes about two minutes and you can browse the full library before depositing a cent.
Claim Your Welcome Offer Now →Section 03 · Registration
DGC/03How to Register at Degencity in a Few Minutes
Registration is deliberately frictionless. The entire process takes about two minutes on a decent connection, and you can browse the full game library before committing a single dollar. Here is exactly what happens from start to finish.
Step One: Open the Degencity Sign-Up Form
Head to the official registration page and select the registration button in the top-right corner of the header. On mobile it appears as a bright, fixed-position button that stays visible while you scroll, so you never have to hunt for it.
Step Two: Enter Your Details
You will be asked for an email address, a password and your preferred account currency. New Zealand players should select NZD where available to avoid conversion spreads on every deposit and withdrawal. Choose a strong, unique password — a passphrase of four unrelated words is both easier to remember and dramatically harder to crack than a short string of symbols.
Step Three: Confirm Personal Information
The second screen collects your full legal name, date of birth, residential address and mobile number. Accuracy matters enormously here. Every regulated gaming site cross-references these details against your identity documents during verification, and even a small mismatch — a middle name omitted, a street number transposed — can delay your first withdrawal by days. Enter the information exactly as it appears on your passport or driver licence.
Step Four: Accept Terms and Verify Your Email
Tick the boxes confirming you are over eighteen and agree to the terms of service and privacy policy. A confirmation email arrives within seconds; click the link inside and your account is live. Many players complete this entire sequence in under 120 seconds.
Step Five: Fund and Play
Once confirmed, the cashier opens automatically. Select a deposit method, enter an amount at or above the minimum, and decide whether to opt into the welcome bonus. Funds land instantly on the vast majority of methods, and you are free to start spinning immediately.
Identity Verification: Do It Early
Here is the single best piece of advice for any new account holder: upload your verification documents on day one, not on the day you request a withdrawal. You will need a clear photo of a government-issued ID, a recent proof of address such as a power bill or bank statement dated within three months, and occasionally a photo of the payment card used. Submitting these upfront means your first cashout sails straight through the queue. Players who leave it until the last minute are the same players who later complain about slow payouts — the delay was almost always self-inflicted.
Verification checklist: photo ID with all four corners visible · proof of address dated within three months · payment-method proof if requested · details matching your registration data character for character.
| Step | Action | Time | Common mistake |
|---|---|---|---|
| 1 | Open sign-up form | 5 s | Using an outdated bookmark |
| 2 | Email, password, currency | 40 s | Picking a non-NZD currency |
| 3 | Personal information | 45 s | Omitting a middle name |
| 4 | Terms + email confirmation | 20 s | Confirmation lands in spam |
| 5 | Deposit and bonus choice | 30 s | Opting in without reading terms |
| 6 | Upload KYC documents | 3 min | Leaving it until cashout day |
Section 04 · Game Library
DGC/04Inside the Degencity Game Library: Pokies, Live Tables and Crash Titles
A casino lives or dies on its content, and the catalogue here is genuinely deep rather than padded with a thousand clones of the same three-reel fruit machine.
Online Pokies and Video Slots
Pokies make up the largest share of the library, ranging from classic three-reel throwbacks to sprawling Megaways engines with over 100,000 ways to win. Cluster pays, cascading reels, hold-and-win mechanics and buy-feature options all appear across the catalogue. Volatility filters let you sort by risk appetite: low-variance titles for grinding through wagering requirements, high-variance monsters for chasing a life-changing multiplier. Return-to-player percentages (RTP) are displayed within each game's info panel, and the majority of headline titles sit in the 96% RTP range, which is competitive for the segment. Jackpot pokies — both standalone progressives and networked pools spanning multiple operators — sit in their own filtered category with live prize counters ticking upward in real time.
Interactive · Live RTP Comparator
TOOL-02Toggle categories to compare theoretical return. European single-zero roulette always beats double-zero layouts, and jackpot pokies trade base RTP for progressive pool contributions.
Live Dealer Studios
The live casino section streams from professional studios in full HD, with multiple camera angles and genuine croupiers dealing physical cards. Blackjack tables run at a wide spread of stakes, from a few dollars per hand up to high-roller salons. Roulette options include European single-zero wheels — always the better mathematical choice than American double-zero — plus lightning and multiplier variants that add random payout boosts. Baccarat, casino hold'em, sic bo and a rotating roster of live game show formats, from money wheels to dice-based studio titles, round out the offering. For Kiwi players, the time-zone advantage is real: European studios are at their busiest during New Zealand daytime hours, so tables are lively rather than empty.
Crash, Instant Win and Provably Fair Originals
This is where degencity casino distinguishes itself from more traditional gaming sites. The crash category — multiplier curves you cash out of before the inevitable bust — has become enormously popular, and it sits alongside mines, plinko, dice and other instant formats, including originals built specifically for this style of player. Many of these titles use provably fair cryptographic systems that let you independently verify each round's outcome using a server seed, a client seed and a nonce. If you have ever wondered whether a result was genuinely random, provably fair originals let you check the maths yourself rather than taking anyone's word for it.
Table Games and Video Poker
RNG table games run alongside the live studios for players who prefer to set their own pace without a dealer waiting. Blackjack variants with favourable rule sets, multi-hand video poker, and a solid range of roulette layouts are all present. These are ideal for practising strategy at minimum stakes before stepping up to a live table.
Section 05 · Mobile
DGC/05The Degencity Mobile Experience on Phone and Tablet
There is no need to visit an app store, surrender storage space or wait for updates to download. The site runs as a progressive web app directly in your mobile browser, which means it behaves like a native application while remaining instantly up to date.
Adding Degencity to Your Home Screen
On iPhone, open the site in Safari, tap the share icon and select "Add to Home Screen". On Android, open Chrome, tap the three-dot menu and choose "Install app" or "Add to Home screen". An icon appears on your device alongside your other apps, launching the casino full-screen with no browser chrome. You get the convenience of an app with none of the download bloat, and you will never be running an outdated version.
Performance and Data Usage
Games are streamed rather than stored locally, and most modern HTML5 pokies consume only a few megabytes per session. Live dealer streams use considerably more — budget roughly 100–200MB per hour at high quality — so players on capped mobile plans should switch to a lower stream quality or stay on Wi-Fi for extended live sessions. The lobby itself is lightweight and loads quickly even on a patchy rural 4G connection, which matters if you are playing outside the main centres.
Features That Survive the Shrink
Crucially, nothing is missing on mobile. The full cashier, promotions page, account settings, responsible gambling tools, live chat and complete game library are all available. Some operators quietly strip functionality from their handheld version; that is not the case here. Session history, transaction records and bonus progress trackers are all accessible from the hamburger menu in a couple of taps.
Landscape Live Tables
Rotating your phone during a live dealer game expands the video feed to fill the screen while collapsing the betting interface into a translucent overlay. It is a small touch, but it makes playing blackjack on a phone genuinely pleasant rather than a compromise.
Section 06 · Banking
DGC/06Degencity Payments, Deposits and Withdrawals for Kiwi Players
Banking is the area where online casinos most often disappoint, so it is worth understanding your options before you fund an account.
Deposit Methods
The cashier supports the payment rails New Zealand players actually use. Visa and Mastercard debit and credit cards are accepted and credit instantly. Prepaid voucher options such as Neosurf appeal to players who prefer not to link a bank card at all — you buy a voucher with cash at a retailer and redeem the code in the cashier. E-wallets provide a useful buffer layer between your bank and the casino, keeping gaming transactions off your main statement while offering faster withdrawals than card networks allow.
Cryptocurrency is fully supported and is genuinely the fastest route in and out. Bitcoin, Ethereum, Litecoin, Dogecoin and stablecoins such as USDT are typically available. Crypto deposits confirm within minutes depending on network congestion, and crypto withdrawals frequently complete faster than any fiat alternative because there is no intermediary bank to satisfy. For players comfortable holding digital assets, this is the route to choose at degencity casino.
| Method | Deposit | Withdrawal | Min | Best for |
|---|---|---|---|---|
| Visa / Mastercard | Instant | 1–5 days | NZ$20 | Familiar everyday banking |
| Neosurf voucher | Instant | Not supported | NZ$10 | Cash-based privacy |
| E-wallets | Instant | Same day | NZ$20 | Statement privacy + speed |
| Bitcoin (BTC) | 10–30 min | 15–60 min | ≈NZ$25 | Large, fast transfers |
| Litecoin (LTC) | 2–10 min | 5–20 min | ≈NZ$15 | Lowest network fees |
| Ethereum (ETH) | 2–10 min | 10–40 min | ≈NZ$25 | Layer-2 friendly routing |
| USDT stablecoin | 2–10 min | 10–30 min | ≈NZ$20 | No price volatility |
| Bank transfer | 1–2 days | 1–5 days | NZ$50 | Large cashouts |
Withdrawal Times and Limits
Every withdrawal request passes through an internal review queue before it reaches your payment provider. Once verification is complete, that review is typically measured in hours rather than days. After approval, the timeline depends entirely on your chosen method: crypto lands in your wallet within minutes to an hour, e-wallets usually clear the same day, and card or bank transfers take one to five business days because of standard banking settlement cycles.
Practical Banking Tips
- Withdraw to the method you deposited with. Anti-money-laundering rules require the closed-loop principle, and attempting to cash out elsewhere will trigger a rejection and a delay.
- Complete verification before your first cashout. This is the number one cause of payout frustration industry-wide.
- Check for pending bonus wagering. An unfinished playthrough requirement locks your balance until it is cleared or the bonus is forfeited.
- Avoid reverse-withdrawal temptation. If the option to cancel a pending payout exists, resist it — that money is meant to be in your bank account, not back in play.
- Watch currency conversion. Playing in NZD where possible avoids a small spread on every single transaction, which compounds over time.
Interactive · Payout Timeline Estimator
TOOL-03Verification completed early keeps the review queue short — this is the single biggest lever you control.
Fees
The operator does not typically charge a fee on deposits or withdrawals. However, your own bank, card issuer or crypto network may apply its own charges — blockchain network fees in particular fluctuate with congestion, so a Bitcoin withdrawal during a busy period costs more than the same transaction at a quiet hour. Using a low-fee chain such as Litecoin or a Layer-2 network sidesteps this almost entirely.
Section 07 · Trust & Safety
DGC/07Security, Fair Play and Responsible Gambling at Degencity
Trust is not a marketing slogan; it is a set of verifiable technical and procedural safeguards. Keeping your funds and personal data safe comes down to the following measures.
Encryption and Data Protection
All traffic between your device and the servers is protected by TLS encryption — the same standard your bank uses. Look for the padlock in your browser's address bar before entering any credentials. Personal data and payment details are stored in segregated, encrypted environments, and the cashier tokenises card details so full numbers are never retained in plain form. Enabling two-factor authentication in your account settings, if offered, adds a substantial extra layer at zero cost and is the simplest way to keep your balance safe.
Game Fairness and RNG Testing
Outcomes in RNG games are produced by certified random number generators supplied by the game studios, not by the casino itself. Reputable software providers submit their algorithms and payout mechanics to independent testing laboratories that verify statistical randomness and confirm that advertised RTP figures hold true across millions of simulated rounds. The casino cannot alter these results — it licenses the games and receives the same certified builds every other operator does. Provably fair titles go a step further by allowing per-round verification directly by the player.
| Safeguard | What it covers | Status |
|---|---|---|
| TLS transport encryption | Login, cashier and account data in transit | ACTIVE |
| Card tokenisation | Full card numbers never stored in plain form | ACTIVE |
| Two-factor authentication | Account takeover resistance | OPTIONAL |
| Certified RNG builds | Pokies, RNG tables, video poker | LAB TESTED |
| Provably fair verification | Crash, mines, plinko, dice originals | PLAYER AUDITABLE |
| Deposit & loss limits | Daily, weekly and monthly caps | SELF-SERVE |
| Cooling-off / self-exclusion | Short breaks or long-term account lock | ON REQUEST |
| Age verification (18+) | Document-checked at KYC | MANDATORY |
Responsible Gambling Tools
Gambling should stay entertainment, and a genuinely responsible operator gives you the tools to keep it that way. Deposit limits let you cap how much you can fund per day, week or month. Loss limits stop play once a defined threshold is reached. Session reminders interrupt with a pop-up showing elapsed time and net position. Cooling-off periods lock the account for a short break, and self-exclusion removes access for an extended period or permanently.
These tools are accessible from your account settings, and requests to tighten a limit take effect immediately — only requests to loosen one carry a mandatory waiting period, which is exactly how it should be. If gambling stops feeling fun, New Zealand players can contact the Gambling Helpline free on 0800 654 655 at any hour, or text 8006. Support is confidential and free.
Age Verification and Account Integrity
Accounts are restricted to players aged eighteen and over, and the verification process exists specifically to enforce that. Sharing an account, playing on someone else's behalf, or attempting to open duplicate accounts will result in closure and forfeited balances. Keep one account, keep your details current, and there will never be an issue.
Interactive · Player Profile Quiz
TOOL-04Section 08 · Support
DGC/08Degencity Customer Support, Account Management and Getting Help Fast
Even the smoothest platform occasionally needs a human on the other end, and the support operation here is built for quick resolution rather than ticket-shuffling.
Live Chat
Live chat is the primary channel and is available around the clock. The widget sits in the lower-right corner of every page, including on mobile. Typical first-response times are measured in a couple of minutes, and agents handle everything from bonus queries to verification status checks. Before opening a chat, have your registered email address and any relevant transaction ID ready — it cuts resolution time dramatically.
Email Support
For anything requiring document attachments, detailed account histories or formal complaints, email is the better channel. Responses generally arrive within a few hours, and you get a written record of the exchange, which is valuable if an issue escalates. Write a clear subject line, include your account email in the body, and attach screenshots where relevant.
Help Centre and Self-Service
A searchable knowledge base covers the questions that account for the overwhelming majority of contacts: how to verify, why a withdrawal is pending, how wagering requirements are calculated, and how to adjust responsible gambling limits. Checking here first often resolves the matter in under a minute.
| Channel | Availability | Typical response | Best used for |
|---|---|---|---|
| Live chat | 24/7 | ~2 min | Bonuses, cashier, quick checks |
| 24/7 intake | A few hours | Documents, complaints, records | |
| Help centre | Always | Instant | Verification and wagering FAQs |
| Complaint escalation | Business hours | 1–3 days | Formal dispute references |
If Something Goes Wrong
Escalation follows a clear path. Start with live chat, move to email if unresolved, and request a formal complaint reference if you remain dissatisfied. Keep copies of all correspondence, screenshots of relevant screens, and transaction timestamps. Licensed operators are bound by dispute resolution procedures, and a well-documented, calmly written complaint is resolved far faster than an angry one. In practice, the vast majority of issues at Degencity trace back to incomplete verification or a misunderstood bonus term — both of which are fixed in a single conversation.
Ready to Get Started at Degencity?
Registration takes two minutes, the library is open for browsing before you deposit, and the welcome offer is waiting on the promotions page. Sign up today and see why so many New Zealand players have made this their default gaming destination.
Two minutes to an account. Zero downloads. Fund with cards, vouchers, e-wallets or crypto and start with the welcome package.
Sign Up and Play Instantly →Section 09 · FAQ
DGC/09Degencity Frequently Asked Questions
Yes. New Zealand players can register, deposit, play and withdraw. The cashier supports payment methods commonly used in New Zealand, and where NZD is offered as an account currency it is worth selecting to avoid conversion spreads on every transaction. Support operates 24/7, so help is available regardless of the time-zone gap with European studios. As always, you must be at least eighteen years old to hold an account, and you should check your own circumstances before playing.
Processing has two stages. First, the casino reviews and approves the request internally, which typically takes hours once your identity verification is complete. Second, the payment provider settles the transfer. Cryptocurrency withdrawals usually arrive within minutes to an hour, e-wallets commonly clear the same day, and card or bank transfers take one to five business days due to standard banking cycles. The single biggest cause of delay is unfinished verification — upload your documents when you open the account and your first payout will move straight through.
You will generally need three things: a clear photograph or scan of a government-issued photo ID such as a passport or New Zealand driver licence; a proof of address dated within the last three months, such as a utility bill, bank statement or council rates notice; and occasionally proof of your payment method, like a card photo with the middle digits obscured. Make sure all four corners of each document are visible, the text is legible, and the details match exactly what you entered at registration.
No, bonuses are always optional. During your first deposit you can simply decline the offer and play with straight cash, which carries no wagering requirement at all and can be withdrawn the moment it clears. Bonuses deliver excellent value for pokies players who will be spinning regularly anyway, since pokies typically contribute 100% toward playthrough. Table game and live dealer specialists often get better value from cash play, because those categories usually contribute little or nothing toward clearing a bonus.
There is no separate download required. The site runs as a progressive web app in your mobile browser, delivering full native-style performance while staying automatically up to date. Add it to your home screen from Safari's share menu on iOS or Chrome's menu on Android, and it launches full-screen with its own icon. Every feature is available on mobile, including the complete game library, the cashier, promotions, live chat and all responsible gambling tools.
RNG titles use certified random number generators from licensed studios, with game mechanics and RTP figures independently tested by external laboratories. Crash and instant-win originals add provably fair verification so you can audit individual round outcomes yourself. On the banking side, TLS encryption protects every transaction and segregated storage keeps your data safe. Account settings also include deposit limits, loss limits, session reminders, cooling-off periods and self-exclusion. New Zealand players who need support can call the Gambling Helpline free on 0800 654 655 or text 8006 at any time.
It depends on what you value. Cards are the most familiar and credit instantly, but they are the slowest way out at one to five business days. Prepaid vouchers such as Neosurf are excellent for depositing privately with cash, though you will need an alternative route for cashouts. E-wallets balance speed and privacy with same-day settlement. Cryptocurrency — Litecoin in particular, thanks to low network fees — is the fastest end-to-end option at degencity casino, often landing in your wallet within twenty minutes of approval.
Multiply the wagering base (either the bonus alone or deposit plus bonus, depending on the offer) by the stated multiplier to get your required turnover. Then divide by the contribution rate of the games you intend to play. A NZ$100 bonus at 35× on bonus-only terms means NZ$3,500 of turnover on pokies at 100% contribution — but NZ$35,000 of equivalent play on a category contributing just 10%. The calculator earlier on this page runs that arithmetic for you before you opt in.
You can set deposit limits by day, week or month, loss limits that halt play at a defined threshold, session reminders that display elapsed time and net position, cooling-off periods for a short break, and self-exclusion for an extended term. Tightening a limit applies immediately; loosening one carries a deliberate waiting period so the decision cannot be made impulsively mid-session. Free confidential help is available in New Zealand on 0800 654 655 or by texting 8006.
Yes. The lobby, provider filters, volatility sorting and each game's info panel — including its published RTP — are all viewable without funding an account. Many titles also offer a demo mode so you can learn a feature buy or a bonus round mechanic at zero risk before staking real money. Registration itself takes roughly two minutes and does not obligate you to deposit.