Interac Casino Canada: Fees, Payouts and Top Sites for 2026

Interac is not a gambling company. That single fact explains almost everything about how it works inside an online casino, and why the deposit flow looks different from a card payment or a crypto transfer. Interac is a Canadian debit network, owned by Interac Corp. and used by more than 100 financial institutions across the country. When you see "Interac casino" advertised, what is actually happening is a bank-to-bank transfer routed through a payment processor that sits between your financial institution and the operator.

That distinction matters more than most players realize. It determines your fees, your withdrawal speed, whether you get any chargeback protection, and whether the casino in question is even allowed to accept you. This guide breaks down the mechanics, the real cost per transaction, the expected value of playing at a licensed operator versus an offshore one, and which brands actually process Interac cleanly in 2026.

How Interac Payments Actually Work Inside a Casino

Interac e-Transfer is the product most Canadians know: you send money to an email address or mobile number, the recipient deposits it, done. Casinos use a variant of this through commercial agreements with payment aggregators. You do not type an email address. You select Interac at the cashier, choose your bank from a dropdown, and get redirected to your bank's own login page.

The money leaves your chequing account and lands in the operator's merchant account, usually within 5 to 30 minutes. No card network touches the transaction, which is why Interac deposits do not appear as "gambling" on a credit card statement. They appear as a transfer to a payment processor's business name, or sometimes as a generic descriptor like "PAYMENT SERVICES."

Is Interac a payment processor or a bank transfer?

It is a bank transfer, technically. Interac operates the rails; the actual money movement happens between financial institutions. The casino never holds your banking credentials, and the aggregator that facilitates the deposit is a licensed money services business. That is a meaningfully different risk profile from handing card details to an unregulated processor.

What you give up is chargeback rights. Interac e-Transfer is a push payment. Once it lands, it is gone. Credit cards offer a dispute mechanism under the card network's rules; Interac does not. If a casino refuses to pay a withdrawal, your bank cannot reverse a deposit you authorized. This is the single biggest trade-off and it deserves more attention than the "instant deposit" marketing suggests.

Which Canadian banks support casino Interac transfers?

RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins, Tangerine, Simplii and most credit unions work. The list is long because Interac is the default debit rail in Canada. Smaller institutions occasionally block merchant categories at the bank level, so a deposit that fails at one bank may clear at another.

Deposit minimums cluster between CAD 10 and CAD 30 at most operators. Maximums vary wildly: some licensed sites cap Interac deposits at CAD 3,000 per transaction, offshore brands frequently allow CAD 10,000 or more. The ceiling is set by the operator's risk appetite, not by Interac itself.

The Real Cost: Fees, Limits and Processing Times

Interac e-Transfer costs nothing for personal transfers under CAD 3,000 at the major banks. Casino deposits are commercial transactions, so the fee structure is different. Most operators absorb the processing cost and charge you zero. A minority pass through 1.5% to 2.5%. Read the banking page before you assume either way.

Withdrawals are where the picture gets murkier. Interac cashouts at licensed operators typically take 1 to 3 business days after the casino's internal pending period, which itself runs from 0 to 48 hours. Offshore brands advertise faster times but often route withdrawals through a different method entirely, then convert at a spread you never see quoted.

That last row is not a typo and not advice. Canada does not tax lottery or casino winnings at the federal level for casual players. The CRA treats gambling proceeds as windfalls rather than income when they come from chance-based games. Professional or business-organized gambling sits in a different category. If your volume looks like a business, talk to an accountant, not a casino blog.

Why do some Interac withdrawals take five days?

Two reasons, and they compound. First, the operator's pending window exists to let you reverse the request and to run internal checks. Second, the aggregator batches Interac e-Transfer payouts rather than sending them one at a time. A batch that runs at 09:00 and 17:00 Eastern means a Friday evening request may not move until Monday morning.

Compare that to crypto rails, where a Bitcoin withdrawal can settle in 10 to 60 minutes for a network fee of CAD 1 to 5. The trade-off is real: crypto is faster and cheaper per transaction but adds price volatility between cashout and conversion. For a CAD 200 withdrawal, volatility over two hours is usually trivial. For CAD 20,000, it is not.

Licensed vs Offshore: The Expected Value Calculation

This is where the marketing language falls apart and the math takes over. Assume two operators, both advertising 97% RTP on the same Pragmatic Play slot. One holds an iGaming Ontario registration. The other holds a Curaçao licence and operates offshore. The advertised RTP is identical. The realized expected value is not.

Licensed operators in Ontario must report game RTPs verified by independent test labs and cannot alter them at will. Offshore operators can, in principle, run a lower RTP configuration of the same title. Pragmatic, NetEnt and Microgaming build multiple RTP variants into their games, and the operator selects which one goes live. A 97% version and a 94% version of the same slot look identical on screen.

How much does a 3% RTP gap cost you?

Run the numbers. On CAD 10,000 of total wagering, the difference between 97% and 94% RTP is CAD 300 in expected loss. Over a year of moderate play, say CAD 60,000 in turnover, the gap widens to CAD 1,800. That is the entire cost of the "worse" operator, and it is invisible unless you check the paytable rules.

Add the deposit bonus into the equation. Offshore brands routinely offer 200% up to CAD 2,000 with 40x wagering on the bonus. Licensed Ontario operators cap bonuses far lower, often 100% up to CAD 500 with 30x wagering. Do the math on the offshore offer: CAD 2,000 bonus at 40x means CAD 80,000 in required wagering. At 94% RTP, expected loss on that wagering is CAD 4,800. The bonus is worth less than nothing.

The headline number is the marketing. The wagering requirement multiplied by the RTP gap is the reality. Every time.

Does game provider choice change the math?

Yes, and more than most players assume. Evolution live dealer tables run 97% to 99% RTP on standard blackjack variants. Hacksaw Gaming slots frequently sit at 96.2% to 96.5%. Some jackpot slots drop below 92% because a slice of each bet funds the prize pool. Provider selection is a bigger EV lever than bonus hunting.

Check the paytable before you spin. Reputable providers publish RTP inside the game's info screen, usually under a question mark icon. If a slot does not display RTP anywhere, that is itself a data point.

Top Interac Casinos for Canadian Players in 2026

Brands below were selected on Interac reliability, licensing status, payout track record and game library depth. Ontario-licensed operators are marked as such. Offshore brands are named honestly as offshore, with their licence jurisdiction stated. Neither category is inherently better; they serve different player profiles and carry different trade-offs.

Which licensed Ontario casinos handle Interac best?

BetMGM Casino operates under an iGaming Ontario registration and processes Interac deposits in under 15 minutes. Its game library leans on Evolution live tables and a solid slot roster. Withdrawal pending is typically under 24 hours for verified accounts.

Bet365 Casino runs the same licensing framework with a deeper sportsbook attached, useful if you want one wallet for both. DraftKings Casino and Caesars Palace Online Casino round out the Ontario-licensed group, both with Interac support and CAD-native balances.

thescore Bet and Bet99 also hold Ontario registration and accept Interac, though Bet99's casino vertical is thinner than its sportsbook.

Which offshore casinos accept Interac with strong track records?

LeoVegas Casino holds a Malta Gaming Authority licence and has accepted Interac from Canadian players for years, with a withdrawal window that runs 1 to 3 business days. Betway Casino operates under MGA and UKGC licences depending on the market, and its Interac flow is stable. Spin Casino and Royal Vegas Casino, both under the Baytree group and licensed in Malta, have processed Interac for Canadian players since well before Ontario regulated the market.

Jackpot City Casino is another Baytree property with a long Interac history. Casino.com and Golden Tiger Casino sit in the same offshore tier. Vulkan Vegas Casino runs a Curaçao licence and accepts Interac, with a wider slot library than most MGA operators but slower dispute resolution if something goes wrong. 7Bit Casino, BitStarz Casino and Stake Casino are crypto-first platforms that accept Interac as a secondary fiat rail; deposit works, but withdrawal via Interac is often restricted in favour of crypto.

Wildz Casino and Casoola Casino run MGA licences with Interac support and reasonably fast cashouts. PlayOJO Casino is worth a mention for a different reason: it charges zero wagering on its free spins and pays no deposit fees, which changes the EV math in a way most bonus offers do not. Party Casino, Unibet Casino and Batery Casino also process Interac, with Unibet holding both MGA and Ontario registration depending on the entry point.

How do I verify a casino's licence before depositing?

Scroll to the footer, click the licence badge, and confirm the registration number on the regulator's own site. An iGaming Ontario registration is verifiable at igamingontario.ca. An MGA licence is verifiable at mga.org.mt. A Curaçao licence is verifiable at the Curaçao Gaming Control Board portal, though the older Curaçao eGaming licences are being migrated and some badges still point to the legacy system.

If the footer badge does not link anywhere, or links to a generic image, treat the licence claim as unverified. That is not a moral judgment. It is a data point about how much recourse you have if a withdrawal stalls.

Practical Setup: Deposits, KYC and Withdrawal Timing

Account verification is the friction point most players underestimate. Canadian operators must complete know-your-customer checks before the first withdrawal, not before the first deposit. That means you can fund and play for weeks, then hit a wall when you try to cash out. Do the verification early.

What documents does KYC actually require?

Government photo ID, usually a driver's licence or passport. A proof of address dated within the last 90 days, typically a utility bill or bank statement. Some operators request a selfie holding your ID, and a minority ask for source-of-funds documentation if your deposits exceed a threshold, commonly CAD 10,000 in a rolling 30-day window.

Upload quality matters. A blurry photo of a licence under warm lighting gets rejected, and each rejection adds 24 to 48 hours. Take the photo in daylight, on a flat surface, with all four corners visible.

Why does my Interac deposit sometimes fail?

Three common causes. Your bank may block gambling merchant categories at the account level, which you can usually check in your online banking settings or by calling. The operator's payment aggregator may have hit a daily cap. Or your Interac e-Transfer daily limit, typically CAD 3,000 at the major banks, may already be consumed by personal transfers.

Failed deposits usually return to your account within 30 minutes to 24 hours. If it has been longer, contact the casino's support with the transaction reference number, not just the amount and timestamp. The reference number is what the aggregator needs to trace it.

Responsible Gambling and Legal Age in Canada

The legal gambling age in Canada is 18 in Alberta, Manitoba and Quebec, and 19 in British Columbia, Ontario, Saskatchewan, Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland and Labrador. Ontario's regulated market enforces 19 strictly, and operators must verify age before activating an account. Depositing underage is not just a terms violation; it can result in forfeited winnings and account closure with no recourse.

Every Ontario-licensed operator must connect to the Responsible Gambling Council's self-exclusion program, and Ontario's own iGO self-exclusion register lets you block yourself from all registered sites with a single request. Offshore operators are not bound by that system, which is one concrete advantage of playing locally.

If gambling stops being entertainment, help is available 24/7. The ConnexOntario problem gambling helpline is 1-866-531-2600, free and confidential. Outside Ontario, provincial health lines route to equivalent services. Set deposit limits in your account settings before you need them, not after. Most operators let you set daily, weekly and monthly caps, and reductions take effect immediately while increases carry a 24-hour cooling-off period.

Is Interac gambling legal in Canada?

Yes, for players. Canadian law regulates operators, not individuals placing bets. Using Interac to fund a casino account is legal for a player of legal age. The operator's legal status is a separate question, and that is what the licence check above is for. Ontario-licensed sites are unambiguously legal to use within the province.

Does the CRA tax casino winnings from Interac deposits?

Casual gambling winnings are not taxed as income in Canada. The CRA treats them as windfalls when the activity is chance-based and not organized as a business. If you gamble with professional-level volume, frequency and system, the CRA may reassess. Interac versus any other payment method does not change the treatment.

Can I use Interac for both deposits and withdrawals?

At most operators, yes. Some allow Interac deposits but require a different withdrawal method, often because the aggregator only supports one direction. Check the banking page before your first deposit. If withdrawal via Interac is unavailable, your fallback is usually bank transfer, e-wallet or crypto, each with its own fee and timing profile.

What is the fastest Interac casino payout in 2026?

Realistically, 24 to 48 hours from request to funds in your account, assuming your KYC is complete and the operator's pending window is short. PlayOJO, LeoVegas and BetMGM sit at the faster end of that range. Any site promising "instant Interac withdrawal" is describing the operator's internal processing, not the bank settlement, which Interac itself controls.

Do Interac casino bonuses carry wagering requirements?

Almost always. A 100% match bonus with 30x wagering on a CAD 500 deposit requires CAD 15,000 in total bets before withdrawal. Some free spin offers carry no wagering, which is rare and genuinely valuable. Read the terms page, find the wagering multiplier, and multiply it by the bonus amount before you decide the offer is worth taking.

Run the expected value before you run the deposit. A CAD 500 bonus at 30x wagering and 97% RTP carries an expected loss of CAD 450 on the wagering alone, which leaves CAD 50 of theoretical value. A CAD 2,000 bonus at 40x and 94% RTP carries a CAD 2,800 expected loss. The bigger number on the banner is frequently the worse deal, and Interac makes it easy to fund either one without noticing the difference until the withdrawal request sits in

Myth Versus Reality: Six Claims That Don't Survive Scrutiny

The Interac casino space runs on repeated claims that get copied from one affiliate site to the next. Most of them fall apart under a calculator. Below are the six that come up most often, paired with what the numbers actually show.

Myth: Interac deposits are always free

Reality: the casino usually absorbs the cost, but not always. Roughly 15% to 20% of operators pass through a processing fee of 1.5% to 2.5% on Interac transactions, and that fee is often buried in the banking terms rather than shown at the cashier. On a CAD 1,000 deposit at 2.5%, you are paying CAD 25 before a single spin.

Check your transaction history after the first deposit. If CAD 1,000 left your account and CAD 1,000 landed in the casino balance, the fee is absorbed. If CAD 975 landed, you just found the hidden cost. That is a 2.5% haircut on every deposit, which is a bigger drag than most slot RTP variances.

Myth: Offshore casinos pay faster than licensed ones

Reality: offshore brands advertise faster payouts because they are not bound by the same reporting requirements, but the actual settlement times land in the same window. Licensed Ontario operators typically clear withdrawals in 24 to 48 hours after the pending period. Offshore brands range from 2 hours to 5 business days, and the variance is far wider.

The pattern that matters is consistency, not the fastest single payout. An operator that pays in 36 hours every time is worth more than one that paid in 2 hours once and took 6 days the next time. Track your own payout history across 5 to 10 withdrawals before drawing conclusions.

Myth: A bigger bonus means a better deal

Reality: the wagering requirement is the real price tag. A CAD 2,000 bonus at 40x wagering demands CAD 80,000 in total bets. At 94% RTP, that carries an expected loss of CAD 4,800. A CAD 500 bonus at 30x wagering demands CAD 15,000 in bets, and at 97% RTP the expected loss is CAD 450. The smaller bonus wins by CAD 4,350 in expected value.

Headline bonus size is the least useful number on the page. Wagering multiplier, RTP of eligible games, and maximum cashout cap are the three figures that determine whether the offer has positive expected value. Most offers do not.

Myth: Interac is anonymous

Reality: Interac is one of the most traceable payment methods available. Every transfer carries a reference number, a sender name, a timestamp and a receiving account. The casino's aggregator logs all of it. Your bank logs all of it. There is no anonymity layer, unlike crypto rails where the transaction is public but the identity behind the wallet is not tied to a bank account.

This cuts both ways. Traceability is why Interac disputes can sometimes be resolved through the aggregator's records. It is also why the CRA, if it ever looks at high-volume gambling activity, can reconstruct the flow from bank statements alone.

Myth: The RTP shown in the game is what you get

Reality: the RTP shown is the theoretical return over millions of spins, and it is only accurate if the operator is running the highest-RTP configuration of that game. Many providers, including Pragmatic Play and some Microgaming titles, ship multiple RTP variants. The same slot can run at 96.5% on one site and 94% on another, with identical graphics and identical paytables.

Check the game's info screen for the RTP figure. If it is not listed, look up the title on the provider's own site or a third-party RTP database. A 2.5% gap on CAD 50,000 of annual wagering is CAD 1,250 in expected loss, which dwarfs most deposit bonus values.

Myth: You need a VPN to play at offshore casinos from Canada

Reality: you do not need a VPN to access most offshore casinos, and using one can create problems. Many operators require KYC documents that show your actual country of residence, and a mismatch between your VPN location and your ID can trigger a withdrawal freeze. Some operators also void winnings if they detect VPN use during play.

Ontario-licensed operators block out-of-province IPs because the licence requires it. Offshore operators generally accept Canadian players without a VPN. If a site requires one to load at all, that is a signal about its regulatory posture, not a feature.

Interac Alternatives: When the Math Favours Something Else

Interac is not always the optimal rail. It is the most familiar to Canadian players and it avoids card fees, but three alternatives beat it on specific metrics. The right choice depends on deposit size, withdrawal frequency and how much you value speed over traceability.

How does Interac compare to credit cards and e-wallets?

Credit cards frequently charge cash advance fees on gambling transactions, running 1% to 3% plus immediate interest accrual from the transaction date. Visa and Mastercard also apply gambling blocks at the issuer level, so a card that works at one casino may be declined at another. Interac avoids both problems.

E-wallets like PayPal, MuchBetter and Skrill offer faster withdrawals in some cases, typically under 24 hours, but they add a funding step: you load the wallet from your bank, then deposit to the casino. That extra hop costs time on the front end and often carries a 1% to 2% conversion fee. For a CAD 500 deposit, that is CAD 5 to 10 you would not pay with Interac.

The pattern: Interac wins on deposits under CAD 3,000, e-wallets win on withdrawal speed, and crypto wins on large withdrawals where a flat CAD 5 network fee is a rounding error against a CAD 20,000 cashout. Bank wires only make sense above CAD 10,000 because the flat CAD 15 to 30 fee is a fixed cost.

When should I switch from Interac to crypto?

When your withdrawal exceeds CAD 5,000 and speed matters. A Bitcoin or Ethereum withdrawal settles in 10 to 60 minutes for a network fee of CAD 1 to 5, compared to 1 to 3 business days and a possible 2.5% processing fee on Interac. On CAD 10,000, that 2.5% is CAD 250 you avoid.

The catch is volatility. If you withdraw in Bitcoin and convert to CAD two hours later, a 3% price swing is CAD 300 on a CAD 10,000 position. Stablecoins like USDC eliminate that risk and settle just as fast, which is why they have become the default rail for large casino cashouts among players who understand the mechanics.

Does Interac work for high-roller deposits?

Rarely above CAD 3,000 per transaction at the major banks. Your personal Interac e-Transfer daily limit caps the flow, and the major banks set it at CAD 3,000 by default. Some allow increases to CAD 10,000 after a phone call or in-app verification, but that is not the default and not guaranteed.

High rollers typically split deposits across multiple methods or move to bank wire for amounts above CAD 10,000. Some offshore operators accept Interac up to CAD 10,000 per transaction, but your bank limit is the binding constraint, not the casino's ceiling.

What Actually Matters When Choosing an Interac Casino

Strip away the welcome bonus banners and the review-site rankings, and four factors determine whether an Interac casino is worth your time. They are not the four factors most sites emphasize, which is precisely why they matter.

Which factor matters most: licence, RTP or payout speed?

Licence first, because it determines your recourse. An iGaming Ontario registration or an MGA licence means the operator answers to a regulator with enforcement power. A Curaçao licence means the operator answers to a regulator with limited enforcement capacity. That difference shows up when a withdrawal stalls, not when you deposit.

RTP second, because it compounds across every bet you place. A 2% RTP advantage over a year of play is worth more than any single bonus. Payout speed third, because slow payouts are annoying but recoverable. Bonus size last, because as the math above shows, headline bonus values are frequently negative expected value.

How do I test a casino before committing real money?

Deposit the minimum, usually CAD 10 to 20, and request a small withdrawal immediately. That single test reveals more than any review: it confirms Interac deposit works, it triggers the KYC process early, and it exposes the real payout timeline rather than the advertised one. Total cost of the test is CAD 0 to 20 in fees.

If the withdrawal arrives within the advertised window and the KYC process was clean, the operator has demonstrated the two things that matter. If it stalls, you have lost CAD 20 and learned something a review site would not tell you. Run this test before any deposit above CAD 100.

What red flags should end the conversation?

A footer licence badge that does not link to a verifiable registration. A terms page that reserves the right to change wagering requirements retroactively. A support channel that only responds by email with a 48-hour turnaround. Withdrawal limits set so low that cashing out a large win takes months, which some offshore brands cap at CAD 5,000 per week.

Any one of these is survivable. Two together is a pattern. Three together is a signal to close the account and move on, regardless of how good the welcome offer looked when you signed up.

FAQ: Interac Casino Questions Answered

Is Interac accepted at all Ontario-licensed casinos?

Most, but not all. The major Ontario operators including BetMGM, Bet365, DraftKings, Caesars and thescore Bet all support Interac. Some smaller Ontario-registered brands rely on card and bank transfer only. Check the cashier page before registering, since the licence does not guarantee a specific payment method.

How long does an Interac withdrawal take from request to cash?

Budget 1 to 3 business days once the pending period clears. The pending window itself runs from 0 to 48 hours at most operators. PlayOJO, LeoVegas and BetMGM sit at the faster end. Any site promising instant Interac withdrawal is describing internal processing, not bank settlement.

Can I deposit to an offshore casino with Interac from Canada?

Technically yes, and it is legal for the player. Canadian law regulates operators, not individuals. The practical risk is recourse: offshore operators are not bound by Ontario's self-exclusion register or the RGC's dispute mechanisms, so a stalled withdrawal leaves you with the operator's own support channel and nothing else.

Does Interac charge a fee for casino deposits?

Interac itself does not charge the player for e-Transfers under CAD 3,000. The casino may pass through a processing fee of 1.5% to 2.5%, or absorb it entirely. Check your transaction history after the first deposit to see which model the operator uses.

What is the minimum Interac deposit at Canadian casinos?

Typically CAD 10 to 20 at licensed Ontario operators and CAD 10 to 30 at offshore brands. A few operators set the floor at CAD 5. The maximum is usually CAD 3,000 per transaction, capped by your bank's daily Interac e-Transfer limit rather than the casino's own ceiling.

Do I need to verify my identity before withdrawing via Interac?

Yes. KYC is mandatory before the first withdrawal at every regulated operator. You will need government photo ID and proof of address dated within 90 days. Complete verification before your first deposit, not after your first win, because a stalled withdrawal during a KYC review can take 3 to 5 business days to resolve.

Which game providers offer the best RTP at Interac casinos?

Evolution live dealer tables run 97% to 99% on standard blackjack and baccarat variants. Hacksaw Gaming slots sit at 96.2% to 96.5%. Pragmatic Play and NetEnt titles range from 94% to 96.5% depending on the RTP configuration the operator selects. Always check the in-game info screen for the actual figure.

Is Interac safer than crypto for casino payments?

Safer in the sense of traceability and recourse, not in the sense of fund protection. Interac deposits are push payments with no chargeback rights, identical to crypto in that respect. The advantage is that Interac transactions are tied to your bank account and the aggregator's records, which can help resolve disputes that crypto transactions cannot.

Interac works well for Canadian casino players who deposit under CAD 3,000, want zero card fees, and value traceability over anonymity. It is a poor fit for high rollers hitting bank limits, for players who need sub-hour withdrawals, and for anyone who has not yet verified their account.

Run the expected value on the bonus, check the RTP configuration on the games, verify the licence in the footer, and test with a minimum deposit before committing real money. The payment rail is only as good as the operator behind it, and the numbers will tell you which one that is.

The Bottom Line on Interac Casinos in 2026

Interac remains the default deposit rail for Canadian players because it is cheap, familiar and native to CAD. The deposit side works cleanly at nearly every operator worth using. The withdrawal side is where the differences show, and those differences trace back to the licence, not the payment method.

Ontario-licensed operators give you a regulator with real enforcement power, verified RTP figures and access to the province's self-exclusion register. Offshore brands give you wider game libraries and occasionally larger bonuses, but the recourse ends at the support desk. Neither is wrong. They serve different players with different priorities.

What should a first-time Interac casino player do?

Pick one licensed operator, verify your identity before depositing, set a monthly deposit limit, and start with CAD 20 to test the full deposit and withdrawal cycle. That sequence costs almost nothing and eliminates the three most common problems: stalled KYC, surprise fees and slow payouts you did not expect.

Once the test clears, you have a baseline. Compare it against one alternative operator six months later. By then you will have real payout data of your own, which beats any review site's rankings. Numbers you generated yourself are the only ones that reflect your actual play pattern.

Gambling is entertainment with a negative expected value built in. The RTP math guarantees the house wins over time, which is precisely why the goal is to slow the bleed, not to beat it. Set limits, stick to them, and treat every bonus as a contract with fine print rather than a gift. If the play stops being fun, the ConnexOntario helpline at 1-866-531-2600 is free, confidential and available around the clock.