A gaming device comprises a processor, a credit input device, a credit meter, a win meter, a bank meter, and a memory storing instructions, which when executed by the processor cause the processor to generate a game outcome, add any win amount resulting from the game outcome to the win meter to establish a win meter balance, upon a win amount added to the win meter satisfying the automatic bank condition, transfer the win meter balance to the bank meter, and upon a residual credit balance of the credit meter being below a desired wager amount corresponding to a desired player selection for a subsequent game after transfer of the win meter balance to the bank meter, conduct a random trial having a probability of success proportional to a ratio of the residual credit balance to the desired wager amount to determine whether to conduct the subsequent game using the desired player selection.