In order to stop the next payment from being drafted when you are cancelling your UBA Membership Product(s), you need to notify us of the cancellation request 5 business days before the 1st of the next month.
It is now October and you wanted to cancel your membership as of November 1st (which falls on a Friday). You would need to request cancellation on October 25th (that is 5 business days prior to November 1st based on the 2019 calendar).
What happens if I contact you to cancel after the 5 business days before the 1st of the next month?
We will do everything we can to get the cancellation processed in time for another payment to not be drafted or charged, however if it is during the time we are already in the middle of payment processing, we will cancel and then have to issue a refund for that new payment.
Important Note about Billing to All Members:
It is your responsibility to check the transactions occurring on your account for the initial draft and all recurring monthly drafts and to cancel with us when desired. Every month we pay for the membership services and the insurance premiums for any applicable group insurance programs on your behalf, whether you use the membership services or file a claim with the group insurance programs. Please refer to UBA's refund policy for details on how refunds work. You will see UBA Gap and the phone number 866-438-4274 on your account statements where the draft is occurring. This ensures that you have the number to contact us when there is a billing issue or when you would like to cancel.
If you have a 15th effective date, you need to notify us 5 business days prior to the next month's 15th date and it works just like above but with the 15th as the billing date we are working from.