A gaming device is described that provides a number of different methods for cashing out credit balances from a gaming device. These methods include providing incentives, such as benefits, to a player for selecting particular monetary forms in which to receive the cash out. Non-preferred cash out forms may be associated with disincentives, such as penalties, to dissuade players from selecting these types of monetary transfers. In certain embodiments, incentives and disincentives may be associated with a variety of available monetary forms for cash out.