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Web Finance Follow-Up: Bailing Out

About two weeks ago, I reviewed three Web-based personal finance programs -- Mint, Quicken Online and Wesabe -- and noted in an accompanying blog post that the story was not complete.

I'd have to close my account at each service to see how difficult that might be. Would I be able to click a few buttons to bail out, or would I have to battle my way through a squad of phone reps as I'd had to do with other subscription services? The results:

Mint: After logging in, I clicked the "Your Profile" link at the top of the home page. That led to a second page with a "Delete your Mint Account" link -- in red type -- at the right. An alert popped up, asking me to type "delete my account" and my password. A moment later, the page refreshed to report that "Your account has been deleted. You should receive an email confirmation shortly." In this case, "shortly" meant "a few seconds," the time needed for that message to land in my inbox.

Quicken Online: Much like at Mint, I logged in and clicked on a "My Profile" link to reach a page with a link titled "Cancel my subscription - Stop your subscription and delete all your info from our servers." Clicking that brought up a screen on which I could confirm my decision and explain why by selecting a reason from a pull-down menu ("I'm a journalist and I've finished my review" was not a choice). With a click of a large, orange "Complete Cancellation" button, I was out -- sort of, in that my account will actually remain open until the start of the next billing cycle.

Wesabe: Not seeing a "my account" link on the home screen, I instead clicked on my username, which took me to a profile screen with a "Manage your Account" link. At the bottom of that page, a heading invited me to nuke my membership by typing my password and clicking a "Delete My Account" button. With a click of an are-you-sure? prompt, I was... taken to the home page, without a confirmation on the site (or in my inbox) that my account was gone. But when I tried logging back in, Wesabe rejected my username and password.

Considering the pain that my wife and I have gone through to cancel some other Web and telecom accounts (hint: never, ever, ever pay for any of these services with an automatic debit from your bank account), I can't complain about these three experiences at all, even if Wesabe was a tad inelegant compared to the other two.

I will probably return to one of these sites, depending in part on how they live up to their promises of new, added features. So which one should it be -- any of these three, or another Web financial manager?

By Rob Pegoraro  |  June 3, 2008; 10:38 AM ET
Categories:  The Web  
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