I was mostly satisfied until I wanted to transfer money from TwinSpires back to my bank account. Apparently its only easy to get money INTO your TwinSpires account but you have to wait on a CHECK TO GET YOUR MONEY BACK OUT!!! WHAT!!???? That is ridiculous! Wont be using again after I get my check! Oh! AND....you pay $5 EVERY TIME YOU TRANSFER MONEY FROM YOUR BANK TO TwinSpires! User's recommendation: Don’t use if you can wait on snail mail to get your money out!