Trying to cancel your Empower subscription but finding it more challenging than assembling flat-pack furniture alone? Trust me, I get it. To cancel your Empower subscription, simply go to the “More” section in your app, tap “Billing”, then hit “Cancel subscription”. You’re not alone in this; plenty of folks want to cut down on unnecessary expenses these days.
Why do these subscription services make it feel like you’re trying to leave a secret society? The hoops you have to jump through! If you’re using the Empower Personal Dashboard, you’ll need to log in, click on the down arrow next to your name, then follow the prompts to cancel. It’s almost like they don’t want to lose you… who would’ve thought?
Still, if you’re stuck or need more help, reaching out to Empower support might be worth a shot, even if the wait times can feel longer than waiting for a sloth to cross the road. Just email support@personalwealth.empower.com or contact them through the app for faster help. Save that hard-earned money for something more enjoyable than unwanted subscription fees!
Getting Ready to Ditch Empower
Canceling an Empower subscription might seem tricky, but trust me, it’s not rocket science. I’ll walk you through the essentials, including where to find your subscription details and understanding the fees involved.
Checking Your Empower Subscription Details
First things first, log in to your Empower account. Once you’re in, head to the Empower Personal Dashboard. You’re looking for a detailed view of your subscription, which includes:
- Current Plan – Check if you’re on a monthly or yearly subscription.
- Billing Date – Knowing when you’re billed can help avoid any surprise charges.
- Linked Accounts – See which bank account is being charged.
To cancel, go to the “More” section at the bottom right of the app. Then, tap on “Billing” and find “Cancel subscription”. Follow the prompts to complete the process. Don’t forget: simply deleting the app won’t stop charges.
Understanding the Subscription Fee
Empower hits you with an $8 per month subscription fee, pulled directly from your linked bank account. If you think deleting the app will save you from this fee, think again! Here’s the low-down on the fees:
- Auto-Recurring: The fee is automatically debited every month.
- Linked Bank Account: Make sure you know which account is linked to avoid overdrafts.
- No Hidden Fees: At least Empower is upfront about its costs.
Knowing these details ensures you won’t get caught off guard. If you have questions about the fees, you might want to contact Empower support or check their FAQ section for more info.
Pulling the Plug on Empower
So, you’ve decided it’s time to ditch Empower. I get it—those subscription fees add up. Luckily, I’ll walk you through all the ways to cancel and save your money.
Cancel Through the Empower App
First, grab your phone and open the Empower app. Go to the More section in the bottom right corner. Tap on Billing and then Cancel subscription. Follow the steps, which might include entering your password. Be sure to confirm the cancellation to make it official.
If you’re worried about lingering charges, double-check your email for a confirmation from Empower. Also, keep an eye on your bank statements just to be safe. It’s better to be thorough than surprised by hidden fees.
Cancel Through Email Communication
Not feeling the app approach? You can always shoot an email to Empower support. Use the Contact Us option and send a direct message. Write something clear and to the point like: “I wish to cancel my Empower subscription.”
Include important details like your account number, email address, and any other relevant info. Empower support should get back to you within a few days. If not, keep sending those emails until you get a reply. Persistence pays off, especially when it comes to saving money.
Unlink External Bank Account
Before you completely sever ties with Empower, it’s smart to unlink your external bank account to avoid accidental charges. Head back into the app, go to the More section, and find the option to unlink your bank account.
You might have to enter your password to confirm this action. Doing this adds an extra layer of protection against unwanted withdrawals. Always better to be safe than sorry!
Taking these steps ensures you won’t face any more unexpected fees from Empower. And hey, with the money saved, maybe treat yourself to something nice—just keep it budget-friendly.
After the Break-Up
Ending your subscription with Empower is just the start. After you hit cancel, there are a few things you still need to handle, like making sure the cancellation is confirmed and managing any transactions that may come up.
Confirming the Cancellation
First things first, you’ve gotta make sure Empower actually got the memo that you canceled. Go to the “More” section in the app and tap on “Billing.” If it shows that your subscription is still active, retry the cancellation process. No one wants surprise charges after they think they’ve said goodbye.
I’d recommend keeping an eye on your inbox for a confirmation email. Sometimes these end up in your spam folder, so give it a check too. If you have an Empower Card or an AutoSave account, double-check these accounts to ensure they’ve been closed as well. You don’t want lingering accounts that’ll still somehow cost you money.
Handling Post-Cancellation Transactions
Okay, now you’re all squared away with the cancellation but hold up a second. Post-cancellation transactions can sneak in and mess things up. If you had any pending cash advances or personal transactions, make sure they’ve been settled.
Also, make sure Empower has truly deleted your personal information and isn’t holding on to anything they shouldn’t be. This is important for keeping your data safe and sound.
If you see any weird charges on your bank account after cancellation, contact Empower’s customer service immediately. Don’t just shrug it off – it’s your money, after all. You can usually handle this through the app, but sometimes it might require an old-school phone call.
Avoiding Future Money Traps
To keep your wallet safe from future subscription pitfalls, it’s important to be informed and critical about what you sign up for. Here are some practical tips to help you dodge unnecessary expenses and avoid financial headaches down the line.
Staying Informed
Knowing what you’re getting into is the first step. Before subscribing to any service, read the fine print. Seriously, grab a magnifying glass if you need to. Companies love hiding sneaky fees and tricky terms in tiny text.
Regularly review your bank statements. Mark any charges you don’t recognize and figure out what they are. This way, no weird subscription slip-up can blindside you. Periodically check your subscription billing account to ensure nothing fishy is going on.
Use apps or tools that track your subscriptions. These can alert you when a fee is about to hit. This means no more “Wait, what am I paying for?” moments at the checkout. Stay in the loop and take advantage of any support team offered by the company.
Saying No to Unnecessary Subscriptions
Just say “no” to things you don’t need. Sounds simple, right? Yet, companies are wizards at convincing us otherwise – don’t fall for it. Ask yourself: Do I really need this?
For those “free trials” that morph into money drains, set a reminder on your phone to cancel before you start getting charged. Be wary of services that make it painful to leave. They know what they’re doing and it’s not by accident.
Take inventory of all your subscriptions. Ask which you use and which you can dump. Use a list and categorize:
- Essential: Stuff you can’t live without.
- Nice-to-have: Stuff you enjoy but could cut if needed.
- Useless: Stuff draining your bank account for no good reason.
Cut the fat and keep your cash for something more enjoyable than pointless subscriptions.
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