To remove an upcoming payment account:
First, open your Qoins app. Click on the upcoming payment from the UpcomingPayments card on the app, then tap the three-dot menu in the top right-hand corner. From there you will be able to select the option to “Cash out balance”.
If you've had any withdrawals for that account that have not been sent as a payment yet, you will be given two options: to either refund the amount to your checking account or to send a final payment towards your linked debt account.
If you choose to refund the amount, it can take up to 7 business days depending on any pending withdrawals. Once the withdrawals have cleared, the full amount will be returned to your linked funding source (checking account).