If you see “ACCT INTEGRATORS ASSN DUES” on your bank or credit card statement, it is almost always a recurring association membership fee processed by Accounting Integrators LLC on behalf of the National Association for the Self-Employed (NASE) or a similar professional group. The charge usually runs between $11.95 and $45 a month. If you don’t remember joining anything, the membership was likely bundled into a health, dental, or vision insurance enrollment you completed online.
Why a Billing Company’s Name Shows Up Instead of the Association’s
Accounting Integrators LLC handles payment processing for membership organizations rather than selling anything itself. So when NASE (or a comparable group) collects your dues, the statement descriptor carries the processor’s name instead of the association you actually joined. An unfamiliar billing entity doesn’t automatically mean fraud. It does mean you need to trace the charge back to whatever service or policy you originally signed up for.
NASE is the group most commonly behind this descriptor. It sells group insurance plans, business resources, and networking tools to self-employed people, and it uses Accounting Integrators to run the recurring billing.
How You Probably Ended Up Enrolled
Most people pick up this charge while shopping online for supplemental health, dental, or vision insurance. Many insurance marketplaces route self-employed applicants into group plans that require association membership as a condition of the group rate. The membership enrollment is often disclosed in fine print or pre-checked at checkout. The insurance premium and the dues then bill separately, so one looks familiar and the other doesn’t.
Business support packages, discount programs, and professional networking platforms sometimes bundle a membership the same way. The dues keep running for as long as the underlying policy or service is active, and because the amount is small, months can go by before anyone notices.
Match the Amount to a Membership Tier
If the dollar figure on your statement matches one of NASE’s standard tiers, that’s strong confirmation of what you’re looking at:
- Monthly membership: $11.95 per month
- Annual membership: $120 per year, billed once
- Gold membership: $45 per month
- Veteran membership: $99 per year
- Student membership: $25 per year
Amounts that line up with these figures are almost certainly NASE dues running through Accounting Integrators.1National Association for the Self-Employed. NASE Membership Options A number that doesn’t match may belong to a different association using the same processor and is worth investigating more carefully.
Before you call anyone, open the transaction in your bank’s online portal and copy the exact amount, the date, and the full merchant descriptor string. Then search your email for enrollment confirmations from NASE, an insurance marketplace, or a business services site around the date the charges started. A membership ID or policy number will make any customer service call much faster.
How to Cancel the Membership
NASE allows members to cancel at any time through its Member Services Center, reachable through the contact page at nase.org. Have your membership ID or the billing details from your statement in hand so the representative can locate the account. Ask for a cancellation confirmation number or an email confirming the cancellation. Without that, you have no proof the request went through if the charges keep coming.
Read this part carefully before you cancel. If your membership is the gateway to a group insurance plan, canceling the dues will almost certainly end the insurance too. Check whether a health, dental, or vision policy is tied to the membership before you pull the plug. If you want to keep the coverage but drop the association, contact the insurance carrier directly to ask whether standalone enrollment is available.
Disputing the Charge on a Credit Card
If you never authorized the charge and it hit a credit card, the Fair Credit Billing Act gives you a formal dispute right. You have 60 days from the date the creditor sent the statement containing the charge to send a written dispute to the creditor’s billing inquiries address.2Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors Your notice has to include your name and account number, identify the charge, and explain why you believe it’s wrong.
Once the creditor receives the notice, it must acknowledge it in writing within 30 days and finish investigating within two billing cycles, never more than 90 days.2Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors While the investigation is open, the creditor can’t try to collect the disputed amount or report it as delinquent.
One boundary to know: the Fair Credit Billing Act applies only to credit cards and other revolving charge accounts. Debit card charges and direct withdrawals from a checking account fall under a different law.
Disputing the Charge on a Debit Card or Checking Account
Unauthorized debit card or checking account charges fall under the Electronic Fund Transfer Act. You can report the error orally or in writing within 60 days of the statement that first showed it. The bank then has 10 business days to investigate and report back.3Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution It can extend that to 45 days, but only if it provisionally credits your account within the first 10 business days.
Debit timing matters more than credit timing because your liability depends on how fast you act. Report within two business days of discovering the unauthorized transfer and your maximum liability is $50. Report after two business days but within 60 days of your statement and you can be on the hook for up to $500. Miss the 60-day window and you risk losing everything taken after that deadline.4Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers A small recurring charge you’ve been ignoring for months can turn into a real loss. The sooner you report, the more protection you have.
What to Do If Cancellation Is Being Made Difficult
The Federal Trade Commission finalized a “click-to-cancel” rule requiring sellers to make cancellation as easy as the original sign-up.5Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule Making It Easier for Consumers to End Recurring Subscriptions Businesses using negative option marketing must disclose material terms before collecting billing information, obtain informed consent to recurring charges, and provide a straightforward way to cancel and stop charges immediately.
If you enrolled online but are now being told to call during limited hours, mail a letter, or sit through retention pitches to cancel, that may violate the rule. You can file a complaint at ftc.gov. The complaint won’t recover your money directly, but it adds to the record the FTC uses to pursue companies that make cancellation deliberately hard.