Your bank app shows you recurring charges. That's it. It doesn't cancel them, demand refunds, or cite the law. SubScrub does all three.
Legal Letters
banks just show charges
All Banks
one view across all cards
Refunds
not just detection
| Feature | SubScrub | Bank App |
|---|---|---|
| Subscription detection | AI-powered with categorization | Basic recurring charge detection |
| Cancellation support | Legal demand letters generated | None — just shows charges |
| Refund recovery | AI refund demand letters | Manual chargeback only |
| Legal citations | FTC, ROSCA, FCBA, state laws | None |
| Cross-bank view | Upload statements from any bank | Only that bank's cards |
| Price increase alerts | Yes — AI detects amount changes | Varies by bank |
| Free trial monitoring | Yes | No |
| Cost | $7.99/mo | Free (included with account) |
| Chargeback letters | AI-generated with legal backing | Generic form |