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How to Revoke ACH for Dave, Cleo, Tilt, and EarnIn

May 19, 2025
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Overdraft Apps » Overdraft Guides » How to Revoke ACH for Dave, Cleo, Tilt, and EarnIn

Updated September 2026.

How do I revoke ACH authorization from Dave, Cleo, or Tilt? Email (or chat) the app a clear written notice at least 2 to 3 business days before your next payday, then save proof. Under the Electronic Fund Transfer Act, you can revoke that permission. If the app ignores you, ask your bank to block that merchant by the exact name on your statement.

Wondering whether it is safe to connect your bank account in the first place? Here is what cash advance apps actually access.

If payday hits and the money vanishes into Dave, Cleo, EarnIn, Brigit, Tilt, MoneyLion, or another advance app, you are not stuck. Those apps are usually doing what you authorized when you linked your bank. You can take that permission back.

This guide shows you how to stop cash advance apps from taking money, with a copy-paste revocation letter and support emails for 25+ apps. Prefer the done-for-you version? Use the free Reclaim Your Paycheck form at the top of this page.

A Step-by-Step Guide to Revoking ACH Authorization and Taking Back Control

There’s a specific gut-punch when payday arrives and your balance is already empty. You did the math. You knew what should hit. Then it’s gone within minutes.

For millions of people using cash advance apps, that is the new payday normal. Apps that promise fast advances schedule automatic repayments to land with your direct deposit. The moment funds arrive, they leave.

To be clear: most apps are doing what users authorized. When you signed up, you gave permission for automatic withdrawals, often without realizing how tightly repayment syncs to payday. That process is usually legal. It can still wreck your month.

Good news: you can revoke ACH authorization. For many cash advance products, that does not ding your credit, does not send you to collections, and does not flag your paycheck at work. Time it right and your next deposit can stay yours.

Below: the legal basics, a 3-step process, a letter template, an app contact directory, and what to do if an app ignores you.

How ACH Authorization Lets Apps Drain Your Paycheck

ACH (Automated Clearing House) moves money between banks electronically. Employers use it for payroll. Cash advance apps use it to deposit advances and pull repayments.

When you connect a cash advance app to your bank, you grant ACH authorization. The app can send money in and take money out. Apps typically watch deposits through bank-data connections (often via Plaid), then schedule withdrawals for payday, sometimes within minutes of your direct deposit.

Because the transfer is automated, there is no approval step when the debit fires. If you have not revoked permission in time, the pull usually goes through.

Person checking a cash advance app on their phone

What It Means to Revoke ACH Authorization

Revoking ACH authorization means you withdraw the permission you previously gave the company to debit your account.

Under the Electronic Fund Transfer Act, you can revoke that authorization. After proper notice, the company should stop initiating ACH debits. You do not need to explain why, accept new terms, or wait for permission.

If they keep pulling after a valid revocation, that is on them, not you. Keep written proof of what you sent and when.

How to Revoke ACH Authorization the Right Way

This is the core process. Done carefully, it cuts off an app’s ability to auto-take your paycheck.

Timing matters. Many apps schedule withdrawals a day or two before your deposit. Send your revocation at least 2 to 3 business days before your next expected payday. Wait too long and a debit may already be in motion.

Step 1: Contact Each App Individually

You must revoke ACH with each app separately. There is no universal kill switch across every cash advance company.

In-app chat is fine if it is fast. Email is often better because it creates a time-stamped paper trail. If something goes wrong later, that record helps prove you revoked permission properly. Email also makes it easy to reuse one template across multiple apps.

Step 2: Gather the Info You’ll Need

Include enough detail for the company to find your account: full name, email or phone on the account, bank name, last four digits of the account number, and your user ID if you can find it quickly in the app.

Step 3: Send a Clear and Documented Message

Use this message as your template:

Subject: Revocation of ACH Authorization

I am formally revoking authorization for [App Name] to withdraw any further funds from my account at [Bank Name] via ACH. Effective immediately, please cancel any pending or scheduled debits.

I request written confirmation that this request has been received and processed.

Thank you,
[Your Full Name]
[Email or Phone Tied to the App]
Last 4 digits of account: XXXX

Paste into email or in-app support, then screenshot or save a copy. You may need that record later.

ACH revocation letter template you can copy

The short note above is enough for most apps. Use this longer version if you want a paper trail that also covers pending pulls and asks for written confirmation. Fill the brackets. Do not invent extra legal language.

Subject: Revocation of ACH authorization, [App Name]

Date: [Today's date]

To: [App Name] support

I revoke any authorization I previously gave [App Name] to debit my bank account by ACH or similar electronic transfer.

Bank name: [Bank Name]
Account ending in: [last 4 digits]
Name on the account: [Your Full Name]
Email or phone on my [App Name] account: [email or phone]
User ID, if I have it: [user ID or "unknown"]

Please cancel pending and scheduled debits. Do not start new ACH debits after you receive this notice.

Please reply in writing that you received this request and that ACH debits from this account will stop.

[Your Full Name]

If the app ignores you, send a second note to your bank. Ask them to stop that company from pulling money. Use the exact name from your bank statement. That name may not match the app name.

Subject: Stop ACH from [exact merchant name on my statement]

I have revoked ACH authorization with [App Name]. Please stop that company from debiting my account ending in [last 4 digits].

Merchant name on my statement: [exact name]
Please confirm in writing.

[Your Full Name]

Want a fillable version of these letters, plus the step-by-step guide, in your inbox? Use the free Reclaim Your Paycheck form on this page, or get the guide by email.

How to stop an app from taking money out of your account

If you searched “how do I stop [app] from taking money,” you are in the right place. That is the same thing as revoking ACH authorization. The formal name is longer. The job is the same: take back permission so the next paycheck stays yours.

  1. Send a written note to each app. Email is best because you get a timestamp.
  2. Say you revoke permission for them to pull money from your bank.
  3. Send it at least 2 to 3 business days before payday. Some apps need more time. Check the app sections below.
  4. Save the sent email or a screenshot.
  5. On payday, watch the account. If they still pull, ask your bank to block that merchant name.

Deleting the app does not stop the pulls. Changing only your debit card usually does not stop ACH.

Contact Directory: Where to Send Your ACH Revocation

Official support contacts for popular cash advance apps. Always save a copy of what you send. High-search apps (Dave, Cleo, Tilt, Albert, Klover, MoneyLion, EarnIn, Credit Genie, Vola, Grant) are listed first.

Support emails change. If a message bounces, use the in-app help center and keep screenshots. The free Reclaim Your Paycheck guide mirrors this directory and keeps the letter templates in one place.

How to revoke ACH authorization from Dave

Dave ExtraCash pulls repayment through ACH and sometimes debit-card backup. Revoking ACH is your right under the Electronic Fund Transfer Act, but Dave’s terms are stricter than many non-recourse apps.

  1. Email support@dave.com using the letter template above. Say you revoke ACH authorization effective immediately and want written confirmation.
  2. Send it at least 2 to 3 business days before your next expected deposit. Dave schedules pulls around payday like most advance apps.
  3. Save the sent email and any reply. If Dave says it cannot revoke, keep that message and use the bank backup plan below.
  4. Review card billing in the Dave app. Dave ExtraCash may still try debit-card charges even after an ACH revoke. Turn off linked cards if the terms allow it.

If Dave ignores you: Call your bank and ask to block the exact merchant name on your statement. Dave pulls may show up under a processor name, not “Dave.”

Important: Dave’s ExtraCash agreement reserves broader collection paths than classic non-recourse apps. Read Dave’s current ExtraCash terms before you assume an unpaid balance goes away.

How to revoke ACH authorization from Cleo

Cleo pulls repayment when your paycheck lands. You revoke the same way as other apps: a clear written notice before the next debit.

  1. Email team@meetcleo.com with the letter template. Include the name and email on your Cleo account and the last four digits of the linked bank account.
  2. Send it at least 2 to 3 business days before your next expected deposit.
  3. Save a copy of what you sent. Cleo chat can work for speed, but email gives you a timestamp if you need to escalate.
  4. On payday, watch your account. If Cleo still debits, contact your bank with the exact statement merchant name.

If Cleo ignores you: Use the bank letter template in this guide. Ask your bank to stop ACH from that merchant. Keep Cleo emails and bank confirmation together.

How to revoke ACH authorization from Tilt (formerly Empower)

Tilt is the cash advance brand that used to be Empower. If your statement still says Empower, treat it as Tilt.

Tilt’s Cash Advance Repayment Authorization (effective May 19, 2026) is more specific than most apps:

  • Revoke in the Tilt app, or call Tilt between 8 a.m. and 8 p.m. Eastern, at least two business days before the scheduled debit. A business day is Monday through Friday, not a bank holiday.
  • Email help@tilt.com as well so you have a written copy. The authorization itself names in-app contact or a phone call.
  • Canceling the monthly subscription does not revoke cash advance repayment. Those are two different permissions.
  • If the first pull fails, Tilt may try again: up to three ACH attempts and up to five debit-card attempts over the next 180 days.
  • After you revoke, Tilt says you cannot take another cash advance until the open balance is paid in full.

If you only want to change the payment date, Tilt says you must do that by 3:00 p.m. Pacific the business day before the scheduled date. That is a date change, not a revoke.

Source: Tilt Cash Advance Repayment Authorization, retrieved August 23, 2026.

How to stop EarnIn from taking money

EarnIn publishes its own revoke steps. They are a bit stricter on timing than the generic 2 to 3 day rule.

  • Email care@earnin.com or use in-app chat.
  • Send it at least three business days before the scheduled debit. Late notices may still go through.
  • If a transfer is already pending, EarnIn says the money may still land. You may need to clear that amount before you can use EarnIn again.
  • If you revoke through your bank instead of through EarnIn, EarnIn says you cannot use that same bank account with EarnIn again. You would have to link a new checking account.

EarnIn also has debit-card backup language on some products. After you revoke ACH, check that a linked debit card is not still set to retry the same repayment.

Sources: EarnIn Help, “How do I revoke bank authorization from EarnIn?”, retrieved August 23, 2026. Also EarnIn’s Electronic Funds Transfer Authorization Agreement.

How to stop Credit Genie from taking money

Credit Genie has an in-app bank disconnect that other apps often hide. Use it, then send a written revoke so repayment ACH is covered too.

  1. Open the Credit Genie app. Go to Settings, then Bank Account. Tap Disconnect Bank Account (Android may say Cancel Bank Connection Fee). Credit Genie says this stops future bank connection charges.
  2. Deleting the app does not stop charges. You have to disconnect the bank or ask support.
  3. For a Cash Boost or any other debit, submit a help request in the app (Profile, then Help, then Submit a Request) or at creditgenie.com/help-request (also support.creditgenie.com). Save a screenshot or confirmation email so you have a timestamp.

Credit Genie’s terms require notice at least three full business days before the next scheduled debit. Use the help-request link above. Late notice may not stop that pull.

Source: Credit Genie Terms (contact and ACH timing) and Credit Genie Help, retrieved August 23, 2026.

How to stop Grant from taking money

Grant’s customer agreement uses email to support@grantcash.com and at least three business days to stop a scheduled electronic debit.

  • Email support@grantcash.com. Say you revoke ACH authorization. Use the letter template.
  • Send it at least three business days before the scheduled debit. A later notice may not stop that pull.
  • Canceling Grant Plus (subject “Cancel My Account”) does not revoke permission to debit an unpaid advance or an expedited delivery fee.

Source: Grant Money Customer Agreement, retrieved August 23, 2026.

How to stop Money App from taking money

Money App (Prog Services, Inc.) has not published a revoke-specific help article that we could verify. The steps are the same as the letter above. Do not assume there is a hidden in-app kill switch.

  • Email support@money.app with the letter template. If that bounces, use in-app help and keep screenshots.
  • Send it at least 2 to 3 business days before the next pull.
  • Money App’s public listing says repayment can be a payroll deduction or a bank autopay. An ACH revoke stops a bank pull. It does not stop a payroll deduction through your employer. Ask support which method they are using on your account.

Sources: Money App privacy policy contact addresses at money.app, retrieved August 23, 2026. Google Play listing for Money App (repayment methods), retrieved August 23, 2026. No separate ACH-revoke article was found on money.app.

How to stop True Finance from taking money

True Finance (jointrue.com) requires the revoke through the app, not just an email.

  • Contact support in the True Finance mobile app at least three business days before the scheduled debit.
  • Your request must include the name, email, and phone number on your True account. True says incomplete info can keep the withdrawal from being stopped.
  • You can also email contact@jointrue.com so you have a written copy. The terms themselves name in-app support as the revoke path.
  • Deleting the app does not cancel a subscription or stop automatic payments.

If you notify True at least three business days ahead, True’s terms say it is responsible if it still fails to stop that debit. A late request may still be attempted. True is not obligated to catch it.

Source: True Finance Terms and Conditions, retrieved August 23, 2026.

What to Expect When It Works

Most apps email a confirmation that bank access was disconnected. It may be short and vague.

How you know it worked: payday lands and nothing disappears. The advance may still show as unpaid inside the app. That is normal. Unless you reconnect the account or authorize payment another way, they should not be able to ACH you again.

What If the App Doesn’t Listen?

If the app ignores you or timing is too tight, revoke through your bank.

Call or message your bank and ask to revoke authorization for that company. Use the exact merchant name from your transaction history (it may not match the app brand). Ask at least 2 to 3 business days before the next expected debit. Same-day stop-payment requests can fail or cost $25+ per item.

Get written confirmation (email or secure bank message). Repeat per app. Changing your debit card alone usually does not stop ACH. Some apps (including Dave) may also try card charges for fees or repayment, so review both ACH and card settings.

What Happens If You Don’t Repay a Cash Advance App?

Many cash advance apps avoid traditional lending rules. They often skip interest and use subscriptions, tips, or express fees instead. That structure also limits common collection tools.

For many non-recourse products, if you revoke ACH and do not repay, the company typically cannot sue, cannot send you to collections, and cannot report the unpaid advance to credit bureaus. They can lock your account and stop new advances. They may keep emailing reminders.

Apps differ. Always read current terms. Dave, in particular, has taken a more aggressive stance than classic non-recourse apps. See the Dave FAQ below.

Phone showing an EarnIn cash advance screen

What the Fine Print Actually Says

Some apps state advances are non-recourse: they give up contractual claims, collections, and credit reporting on unpaid balances. Albert’s Terms of Use are explicit that Instant Advance is non-recourse and that Albert will not pursue debt collection, sell the balance, or report to credit agencies.

EarnIn similarly frames repayment as optional in practical terms: no credit reporting and no collectors for missed Cash Out repayment in the usual case (confirm current terms).

Dave is different. Dave ExtraCash terms reserve broader collection paths. If you revoke ACH, Dave may still attempt debit-card charges or treat the balance more like recoverable debt. Read Dave’s current ExtraCash agreement before you rely on non-recourse assumptions. Reddit threads have tracked rule changes; treat those as signals to re-check the official terms, not as legal advice.

What About Fraud?

Falling behind and needing to break a repayment cycle is not the same as fraud. Taking advances across apps with no intent to repay, then immediately blocking access, can cross into fraud territory. If you borrowed in good faith and need to pause, revoking ACH is your right. Do not abuse the system.

Take Your Paycheck Back

Revoking ACH authorization is about protecting yourself from automatic payday drains, not about being reckless. Once you understand ACH, timing, and each app’s terms, you can keep more of your next deposit.

You now have the letter template, the contact list, and the bank backup plan. If you want everything in one email (letters, contacts, timing checklist), get the free Reclaim Your Paycheck guide.

Watch: What Happens If You Don’t Repay a Cash Advance

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Frequently Asked Questions (FAQs)

How do I revoke ACH authorization?

Send each app a written notice (email preferred) stating you revoke ACH authorization, cancel pending debits, and want written confirmation. Include your name, contact info on the account, bank name, and last four account digits. Send it 2 to 3 business days before payday. Use the template above or get the free Reclaim Your Paycheck kit.

How do I stop cash advance apps from taking money?

Revoke ACH with every app that is debiting you, then confirm nothing pulls on the next payday. If an app ignores you, ask your bank to block that merchant name. Changing only your debit card usually does not stop ACH.

How do I revoke ACH authorization from Dave?

Email support@dave.com with the letter template at least 2 to 3 business days before payday. Save confirmation emails. Dave ExtraCash may still try debit-card charges after an ACH revoke, so review card settings too. See the Dave steps above.

How do I revoke ACH authorization from Cleo?

Email team@meetcleo.com with a clear ACH revocation notice at least 2 to 3 business days before your next deposit. Keep a copy. If Cleo still debits, escalate to your bank with the exact statement merchant name. See the Cleo steps above.

How do I stop Cleo from taking money?

Same as revoking ACH: email team@meetcleo.com with the letter template before payday, save proof, then watch your account on deposit day. If money still leaves, ask your bank to block the merchant name on your statement.

How do I revoke ACH authorization from Tilt?

Tilt was Empower. Revoke in the Tilt app or call between 8 a.m. and 8 p.m. Eastern, at least two business days before the debit. Also email help@tilt.com so you have a written copy. Canceling the monthly subscription does not stop cash advance repayment. See the Tilt steps above.

How do I stop EarnIn from taking money?

Email care@earnin.com or use in-app chat at least three business days before the scheduled debit. If you revoke through your bank instead, EarnIn says you cannot use that bank account with EarnIn again. Pending transfers may still go through.

How do I stop Credit Genie from taking money?

In the app, go to Settings, then Bank Account, then Disconnect Bank Account. That stops the bank connection fee. Also send a written revoke through Profile > Help > Submit a Request, or creditgenie.com/help-request. Credit Genie requires at least three full business days before the next debit. Deleting the app does not stop charges.

How do I stop Grant from taking money?

Email support@grantcash.com at least three business days before the scheduled debit. Canceling Grant Plus does not revoke permission to collect an unpaid advance.

How do I stop Money App from taking money?

Email support@money.app with the letter template. Money App has not published a separate revoke article. Ask whether your repayment is a bank autopay or a payroll deduction. An ACH revoke does not stop a payroll deduction.

How do I stop True Finance from taking money?

Contact support in the True Finance app at least three business days before the debit. Include the name, email, and phone on your True account. Email contact@jointrue.com as a written backup. Deleting the app does not stop payments.

How do I stop Klover, MoneyLion, Albert, or Brigit from taking money?

Send each company its own revocation email from the contact directory above. There is no single email that covers every app. The free guide packages those contacts with ready-to-send letters.

Do you have a revoke ACH authorization letter template?

Yes. Copy the short template in Step 3 or the longer letter in the template section. For a fillable version plus the full guide, use the Reclaim Your Paycheck form on this page.

How do I time my ACH revocation so it actually works?

Send notice at least 2 to 3 business days before your next expected paycheck. Many apps schedule withdrawals early. Late requests may miss the window or force a costly bank stop-payment.

Can I borrow again after revoking ACH?

Usually not from the same app if the advance stays unpaid. Your credit score is typically unaffected by a non-recourse cash advance write-off, but you can still get stuck in a new cycle with a different app. Fix the cash gap first.

What’s going on with Dave? Is it different from other apps?

Yes. Dave’s ExtraCash terms are more aggressive than many cash advance apps. Dave may pursue repayment through multiple channels, including card charges, even after an ACH revoke. Read the current ExtraCash terms carefully if you use Dave.

What if the app ignores my revocation and still takes money?

Contact your bank immediately and request a block on that merchant. Use the exact name from your statement. Keep your app emails and bank confirmations. Timed correctly, this backup can stop the next pull.

What if I take advances and revoke ACH right away to keep the money?

Intentionally borrowing with no plan to repay can be treated as fraud. That is different from someone who used the apps in good faith and now needs to break an unaffordable repayment cycle. Revoking ACH is your right when you need to pause. Do not game the system.

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