Deposit FAQs

(Domestic United States)

Below is a list of deposit methods offered to fund your TwinSpires account:

How do I make deposits to my wagering account?

To make your initial deposit, see the options under "Deposits" on the left side of the page under your welcome message. A deposit can be made: (1) by using EZmoney which electronically draws funds from your checking or money market account, or (2) by using a Green Dot MoneyPak which can be purchased at over 50,000 retailers nationwide, or (3) by Credit/Debit Card (if gambling transactions are permitted by your banking institution); or (4) by Bank Wire Transfer; or (5) by In Person Walk In Cash Deposit; or (6) by sending a personal check (which takes 5 days to clear), certified check, travelers check, or money order through the mail. This form can be found under "Manage Your Account".

EZmoney

  • What is EZmoney?
    • The EZmoney funding system is based on the Automated Clearing House (ACH) process that has been popular in other industries that allow electronic transfers of money over the Internet. Best of all, you can also request funds to be sent directly back to your bank account, so no more waiting for checks in the mail when you want to make a withdrawal.

      EZmoney is simple to set up. You can register for the service online and make an initial transaction in minutes.


    What is ACH?
    • The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA OPERATING RULES which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.


    What steps are involved in setting up the account?
    • The system for activation is setup to help you with each of two simple steps. To activate EZmoney transfers:
      1. 1. Complete the Online Sign-Up Page.
        This authorizes us to transfer money at your request between your checking account and your wagering account.
      2. 2. Use Add Funds with EZmoney under the Already Authorized section to submit your desired deposit amount from $25 to $100 for the first transaction.

    Is my wagering account ready for EZmoney?
    • Your account should already be prepared to activate an EZmoney account. We recommend that you review your personal account information before attempting an EZmoney account activation. Your most current information in our system will reduce the possibility that your activation will be denied. Please be sure to include a valid email address for your account.


    What bank account information will I need to set up the EZmoney account?
    • The system is based on a proven process of Automated Clearing House (ACH). This is similar to the process company employers use to direct deposit payroll checks. During the registration process, you will need to have your bank account number and bank routing number.


    How do I add funds to my EZmoney account?
    • Once your account is activated you can immediately add funds to your EZmoney account. Initial EZmoney deposits are limited to $100.00. After your initial EZmoney deposit, no additional EZmoney transactions will be permitted until the five-day administrative hold has passed. After you complete this process, select Deposit Funds. You may make EZmoney deposits up to $1000.00 per five calendar days. You may call our customer service department at 1-877-SPIRES1 (1-877-774-7371) to further discuss these limits.


    How do I transfer money out of my EZmoney account?
    • Once your account is activated and verified you will have the option to transfer funds to your bank account that you set up through the EZmoney process. Log in to and select withdraw funds. You will be given the option to withdraw funds through your EZmoney account.

      Once established, you may withdraw any amount from your wagering account less any pending deposits that not cleared the 5 calendar day administrative hold.


    Is there a delay in transferring funds to or from my EZmoney account?
    • Transfers are generated electronically. In most cases you will not see any noticeable delay in the transfer process. At times of peak volume during heavy race schedules there may be a slight delay in the processing of money transfers. Withdrawal requests will take between three and five business days to complete the banking process and become available funds in your bank account.


    How will this charge appear on my bank account statement?
    • Our merchant account name reads "Americatab Americatab" on your bank account statement for EZmoney transactions.


    How many times can I use the system to transfer funds?
    • Our system does not limit the number of transactions, although there is a $25 minimum EZmoney transaction. Some bank services may have monthly transaction limits and charge an additional service fee. Electronic transfers from savings accounts are limited under federal regulations. Consult with your bank's customer service representative to find out if additional fees are imposed.


    What information is checked by Equifax during the registration process?
    • EZmoney uses the Equifax authentication services for account activation to verify information supplied in the EZmoney setup process. Equifax is also a credit reporting company but no credit history information is accessed in the account activation process. All information collected will not be disclosed to other third parties, as provided in our Privacy Policy.


    What do I do if I am denied activation?
    • There may be any number of reasons why an EZmoney account may be denied. You will be given the opportunity to attempt activation three times before the system locks you out. We recommend that you verify your account information and supply a valid email address before you attempt to activate your EZmoney account. Please contact our customer service department at 1-877-SPIRES1 (1-877-774-7371) if you have a problem activating your account, or need to update your account information. Account updates can not be done by email, due to security reasons.


    How much does it cost to maintain and transfer funds?
    • Some bank services may have monthly transaction limits or charge service fees. Beyond that, no transaction fees are charged for using the EZmoney system. Consult with your bank's customer service representative to find out if additional fees are imposed.


    Is my information secure?
    • It is very important that you protect your account login and password. Our service is set up to protect your login and all account information on the site. We do this through 128-bit encryption on all pages that contain account information. All customer account information is stored on secure servers, which are not on public networks, and are actively monitored.


    Is customer support available if I have any problems with activation?
    • Yes. Customer support is available at 1-877-SPIRES1 (1-877-774-7371) or via email.

Green Dot

Green Dot MoneyPak
Add funds to your account using cash with the Green Dot MoneyPak and get instant access to your deposited funds. TwinSpires.com does not charge a fee for a MoneyPak deposit. Green Dot MoneyPaks can be purchased at thousands of retailers nationwide (Walmart, Walgreens, CVS, Rite Aid, Kroger, etc.) The retail merchant typically charges $4.95 for a Green Dot MoneyPak and the MoneyPak can be loaded with any amount from $20 to $1100.

Credit/Debit Card

Use your Visa or Mastercard to fund your wagering account. Be advised that some banks may charge a cash advance fee on credit cards. Please check with your bank for details. Generally, there are no cash advance fees when you use a debit card. Many credit/debit card issuers (banks) restrict online wagering transactions. Many cards that do not process online will work over the phone, so please call customer service at 1-877-774-7371 for assistance.

Via Telephone

  • What Steps Are Involved in Depositing with Credit/Debit Cards Over the Telephone?
    • Please have your wagering account number, pin and Visa or Mastercard available, then call Player Services at (1-877-SPIRES-1) 1-877-774-7371, then select option #3 from the menu.
      1. 1. The operator will prompt you for the required information starting with your wagering account number and pin, then credit card information, date of birth, zip code and amount of transaction.
      2. 2. They will enter the information into our cash advance merchant website and inform you of the amount of the service fee (4.5%) that will be added for processing. Minimum deposit is $20.00 and maximum is $10,000.
      3. 3. If the transaction is approved by your bank, the funds will be posted to your wagering account immediately and you will receive a confirmation message from the operator.

    How much can I deposit using my credit card over the telephone?
    • The minimum deposit is $20.00 and the maximum per transaction is $10,000.


    How much does a Telephone credit card advance cost?
    • Our processor charges a 4.5% fee for online credit card cash advances. Most banks will charge a service fee for cash advances. Please check your bank's card use policies for any additional fees that your bank may charge. Debit cards with the Visa or Mastercard logo are usually not charged the cash advance fee but again, check with your bank to be certain.


    How will this charge appear on my credit card statement?
    • Our merchant account name reads "GCA - Americatab" on your credit card statement for online transactions.


    Why do I have to enter my credit card information for each transaction?
    • For your protection, we do not store any credit card information with your account or on our site. We have to enter the information to initiate each transaction.


Online

Wire Transfer

Transfer funds directly from your bank account to TwinSpires account via bank wire transfer. These transactions would need to be initiated at your bank.

  • What Steps Are Involved in Depositing with Bank Wire transfers?
      1. 1. Instruct your bank to transfer funds to:

        JPMorgan/Chase Bank
        210 East Main Street
        Lexington, KY 40507

        CDTIC Acquisitions, LLC
        Bank Account# 753807668
        ABA# 021 000 021

        Be sure to also include on the bank wire form the following text:

        "For further credit to: <your name> TwinSpires Acct # <your account # >"
      2. 1. Player Services will receive an email notification that funds have been received once it goes through the Federal Bank Wire transfer process.
      3. 2. Once we have confirmed receipt of the funds, we will credit your wagering account with the funds. It is very important to include your name and your TwinSpires wagering account information when you provide the instructions to your bank.
      4. 3. If the funds are not in your wagering account within a few hours of requesting the transfer from your bank, please call player services at (1-877-SPIRES-1) 1-877-774-7371 so that we can check with our bank to see if there is a delay.

    How much can I deposit using bank wire transfers?
    • We do not impose a limit on depositing funds in this manner. The transfer must be from a US based bank and the initiator of the bank wire must be the TwinSpires.com account holder.


    How much does a Bank Wire Transfer cost?
    • Any bank wire that we receive that is $1,000 or more is free to process. Your bank will generally charge you a fee to initiate a wire transfer. Any bank wire that we receive that is less than $1,000 will be subject to a $10.00 processing fee.

Mail

Deposits of Personal Checks, Bank Cashier's Checks and Money Orders are accepted through regular mail or overnight deliveries at our Player Services offices. They are posted to your wagering account by 1:00 pm Eastern or upon receipt.

  • What Steps Are Involved in Depositing with Personal Checks, Money Orders and Cashier Checks through the mail?
    • If you wish to send a personal or certified check to fund your account,
      1. 1. Write your account number on the check and
      2. 2. Make it payable to TwinSpires.
      3. 3. If you are sending your payment through regular first class or USPS priority mail, please send it to the following address:

        TwinSpires
        P.O. Box 8510
        Lexington, KY 40533-8510

      4. If you wish to send your deposits by overnight delivery or require delivery notification, please make it payable to TwinSpires and send it to the following address:

        TwinSpires
        801 Corporate Dr. 3rd Floor
        Lexington, KY 40503

Walk In Cash Deposit (In Person)

In person cash deposits can be made at Churchill Downs racetracks and affiliate service locations.