Here’s a concise, evidence-backed list of high‑payout online casinos that accept U.S. players (ranked by commonly reported average RTPs, payout speed and regulatory status). I’m highlighting the most important facts and sources — check your state’s rules before playing.

Top options (summary)

• BetMGM — high average RTP (~96–98% reported), wide game library, fast e‑wallet payouts (1–5 days typical). Regulared in major iGaming states. (Rotowire.com)
• DraftKings Casino — often reported among the highest average RTPs (~96–97%), fast withdrawals with e‑wallets/Apple Pay. Available in most regulated states where DraftKings operates. (Rotowire.com)
• Caesars (including Caesars Online/Borgata in some states) — consistently high RTPs reported and strong regulatory compliance in state markets. (PlayUSA.com)
• BetRivers — reported high average RTPs (mid‑ to high‑90s), solid withdrawal speeds and strong presence in regulated states. (Rotowire.com)
• FanDuel — competitive RTPs and fast e‑wallet withdrawals; major regulated operator in many U.S. states. (Rotowire.com)
• bet365 / Golden Nugget / Bally (state availability varies) — named by multiple reviewers as among the better‑payout networks for certain games. Availability depends on state licensing. (Rotowire.com)
• Cafe Casino / Wild Casino / offshore options — some outlets and press releases market these as “high‑payout” or fast‑paying (and they may offer high RTP games), but many are sweepstakes/offshore operators or non‑regulated in the US — exercise extra caution (see legality & withdrawal risk). (GlobeNewswire.com)

Why these names appear repeatedly

• Review sites and industry reports use Return to Player (RTP) averages and payout speed as primary metrics; regulated, licensed operators in New Jersey, Pennsylvania, Michigan, etc., tend to offer the most reliable payouts and consumer protections. (USGambling.com)

Important things to know before you sign up

• State legality: Online casino availability and legality vary by U.S. state — only use sites that are licensed to operate in your state. Regulated state sites offer the best protections. (GlobeNewswire.com)
• RTP is game‑level, not site‑wide: A casino’s “average RTP” is an aggregate; individual games (especially blackjack, video poker, some slots) have much higher or lower RTPs. Choose games with known high RTP if your goal is better returns. (USGambling.com)
• Payout speed varies by method: E‑wallets and PayPal typically pay fastest; bank/wire transfers and cards can take longer. Confirm withdrawal limits, verification steps, and hold times on the casino’s banking page. (Rotowire.com)
• Responsible gaming: Set limits, understand bonuses’ wagering requirements, and only gamble what you can afford to lose.

If you’d like, I can:

• Narrow this to casinos available in your specific state, or
• Compare payout speeds, RTPs, and withdrawal methods for any 3 sites you name.

(Selected sources used above: Rotowire, PlayUSA, USGambling, ReadWrite reviews and industry press.) (Rotowire.com)