From https://www.horses.betamerica.com/bet/login - click "Terms and Conditions" for full text
"If you do not use your account for pari-mutuel wagering or entering fantasy games contests for a period of three hundred and sixty six (366) consecutive days, then it will be deemed a Dormant Account. All Dormant Accounts will incur a Monthly Account Maintenance Fee (“MAMF”). The MAMF will be charged upon becoming a Dormant Account and for each month thereafter so long as it remains a Dormant Account. The MAMF is Five Percent (5%) of the account balance or a charge of USD $5.00, whichever is the greater. If your account balance is less than the MAMF to be deducted, the charge will not exceed the available balance in your account. If and when your account balance is zero, the account will no longer be charged a MAMF."