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Empower review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Empower suits US adults who want a spend account without a credit check, and its monthly fee of $8 costs more than most rivals on the list. Deposits sit under FDIC up to USD 250,000, so the money has cover while it waits with you.

Key facts

Best for
A US everyday spending account opened without a credit check
Monthly fee
$8↗
Deposit protection
FDIC up to USD 250,000↗
Local account details
Us-ACH↗
Transfer fee
Free ACH or debit card delivery of Tilt Advance; optional Instant Delivery Fee $1.00-$8.00, or 3% of the advance at $300 or more↗
Legal entity
Tilt Finance, Inc.↗
Headquarters
United States↗
Support channels
Email, Help-centre↗
Features
No credit check
Official website
empower.me

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store
Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • No credit check is listed among the account features
  • Deposits are covered by FDIC up to USD 250,000
  • Transfers arrive free by ACH, with faster delivery optional
  • Support runs through email and help centre

Cons

  • A monthly fee of $8 applies, above the €0
  • Faster advance delivery carries an optional charge, free ACH being standard
  • Support runs on email and help centre only
Empower

Ready to try Empower?

Scored 8.4 / 10 by VaultCue.

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Who it suits

  • US residents paying bills and wages into a US ACH account
  • Adults who cannot pass a credit check and still need a spend account
  • Anyone comfortable with a paid account and covered deposits

Who should look elsewhere

  • XTB, which charges a monthly fee of €0
  • Skrill, which charges a monthly fee of €0
  • AXI Card Tarjeta y Credito, which charges a monthly fee of €0

Deposit protection

Deposits held with Empower fall under FDIC up to USD 250,000, which covers a set limit per depositor. The account is run by Tilt Finance, Inc., based in the United States, and the regulator named for it is the South Carolina Department of Consumer Affairs. Because the account carries a monthly fee of $8, the protection is worth checking against what you keep in the account, and the deposit limit is the real ceiling on your cover.

How Empower compares

Where Empower is available

Available
United States
Licence in United States
South Carolina Department of Consumer Affairs, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Empower charge each month?+

The account carries a monthly fee of $8. That is the standing cost of keeping the account open, and it sits above the typical monthly fee of €0 across the site. Worth weighing against the features the account does give you.

Is my money protected while it sits in the account?+

Deposits are covered by FDIC up to USD 250,000, which sets the limit per depositor. The account is operated by Tilt Finance, Inc. in the United States. Read the terms for how the limit applies before you keep a large balance.

Does opening an account involve a credit check?+

No credit check is listed among the account features, so approval does not rest on a credit assessment. That is the main reason to consider this account if your credit file is thin. The monthly fee of $8 still applies.

What does it cost to get an advance?+

Delivery of Tilt Advance is free by ACH or debit card, and the same transfer carries a charge when you want it faster. The optional instant delivery fee is stated in the terms and rises as a share of the advance on larger amounts. Bank details cover us ach.

How do I get help from support?+

Support runs on email and help centre, so questions go by email or through the help centre. The help centre also covers the advance delivery charges described in the terms. No other channel is listed.

Who is behind the account?+

The legal entity is Tilt Finance, Inc., headquartered in the United States. The regulator named for it is the South Carolina Department of Consumer Affairs, which is the body a US customer would deal with on a complaint.

Is this a good account for someone with a poor credit history?+

It fits that case better than most, because no credit check is listed. The trade-off is the monthly fee of $8, which is more than the free accounts from XTB at €0 and Skrill at €0.

Sources

  • empower.me checked September 26, 2026

    Backs: Features, Monthly fee, Support channels

    “Cash Advance: No interest or late fees, No credit check”

  • empower.me/about checked September 26, 2026

    Backs: Headquarters

    “Inc 5000 - Fastest-Growing Private Companies in the US”

  • empower.me/terms checked September 26, 2026

    Backs: Deposit protection, Legal entity, Local account details, Transfer fee, Licences

    “These Terms of Service (the "Terms") between Tilt Finance, Inc., its subsidiaries, affiliates, agents, and assigns ("Tilt," "us," "we," "our")”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee, Currencies.

Empower

Empower

A US everyday spending account opened without a credit check

8.4/10See alternatives