An Empower Inc charge on your bank statement almost always comes from a fintech cash advance app that rebranded to Tilt on August 4, 2025. The most common version is an $8 monthly subscription fee, but you may also see cash advance repayments or automated savings transfers under the same name. If you never signed up, someone with access to your account may have enrolled, or the charge may be genuinely unauthorized.
Why the Name Looks Unfamiliar
Empower operated entirely through a smartphone app, with no branches or storefronts, offering small cash advances, budgeting tools, and automated savings. Because the company rebranded to Tilt in August 2025, newer transactions may post under Tilt while older or pending items still show as “Empower Inc,” “Empower Finance,” or “Empower Me” depending on when you signed up and how your bank formats the descriptor.
The app links directly to your checking account to track income and spending, then uses that data to offer advances, schedule repayments around your payday, and move money into savings. Each of those functions posts as its own line item, which is why a single month can show several Empower entries.
Make Sure It Isn’t Empower Retirement
Before you cancel anything, confirm which Empower you’re looking at. Empower Retirement is a separate company that administers workplace 401(k) and 403(b) plans. If your employer uses it, a payroll deduction, plan fee, or 401(k) loan repayment could also appear on your statement under a similar name.
The fintech app charges a flat $8 monthly subscription and processes small cash advance repayments, typically under $400. Empower Retirement charges tend to be annual plan fees, 401(k) loan repayments, or distribution fees. If you’re unsure, Empower Retirement’s customer service line for workplace plans is 855-756-4738.1Empower. Contact Empower
Which Charge You’re Looking At
Charges from the fintech app usually fall into three buckets. Identifying yours narrows down whether you should cancel, dispute, or just adjust a setting.
The $8 Monthly Subscription
The most common charge is the $8 monthly subscription that unlocks cash advances, budgeting tools, and the AutoSave feature. It auto-renews each month, and returning customers who resubscribe do not get a free trial.2Tilt. What Is Tilt’s Subscription Fee? If you see an $8 charge you don’t remember authorizing, this is the most likely source. It’s also possible someone in your household signed up on a shared account, or you enrolled during a trial and forgot.
Cash Advance Repayment
The app offers advances from $10 to $400 with no interest, no late fees, and no credit check.3Tilt. Cash Advance up to $400 – No Interest, No Credit Check Instead of interest, the company earns from the monthly subscription. When you take an advance, you authorize the app to automatically debit the full amount from your checking account on or around your next payday.4Empower. Empower Cash Advance ACH Authorization If the first pull doesn’t recover the balance, the app tries again the next time it sees a deposit. Repayments post as ACH debits and can take a day or two to fully clear.
AutoSave Transfers
The AutoSave feature analyzes your income and expenses, then moves small amounts from your checking account into a Tilt savings account on a schedule you set.5Tilt. How Does AutoSave Work? Each transfer shows up as its own line, which can make the statement look busier than expected if you didn’t realize the feature was turned on.
How to Stop Future Charges
To stop charges completely, cancel the subscription and close the account. To stop just AutoSave or advance activity, you can toggle those off individually inside the app.
Cancel Inside the App
Open the app, go to the Billing section, and tap “Cancel subscription” at the bottom of the page.6Tilt. How Do I Cancel My Subscription? To go further and erase your data, submit a deletion request through the account deletion form.7Empower. Request Account Deletion Canceling does not wipe out any outstanding cash advance balance. You still owe that money, and the app may keep trying to collect it.
Revoke ACH Authorization at Your Bank
Canceling in the app should stop new charges, but if debits keep hitting your account you have a separate right to block them at the bank level. Federal law lets you stop a preauthorized electronic payment by notifying your bank at least three business days before the next scheduled transfer.8Consumer Financial Protection Bureau. 12 CFR 1005.10 – Preauthorized Transfers You can give the stop-payment order by phone, in person, or in writing. Your bank may ask for written confirmation within 14 days; if you skip it, the oral order expires.
The CFPB recommends a two-step approach. Tell the company in writing that you’re withdrawing permission for automatic debits, then separately instruct your bank to block future payments from that payee.9Consumer Financial Protection Bureau. How Can I Stop a Payday Lender From Electronically Taking Money Out of My Bank or Credit Union Account? Banks typically charge $25 to $35 for a stop-payment order, so weigh that against the amount you’re blocking. Revoking ACH authorization does not cancel your debt; if you owe on a cash advance, the company can still pursue collection by other means.
If You Never Authorized the Charge
If the charge is genuinely unauthorized, Regulation E gives you strong protections, but the deadlines are short and your liability grows the longer you wait.
Report Quickly
How much you can lose depends on how fast you notify your bank:
- Within 2 business days of learning of the loss: liability caps at $50, or the amount of unauthorized transfers before notice, whichever is less.
- Between 2 and 60 days: liability can rise to $500, covering unauthorized transfers that occurred after the initial two-day window.
- After 60 days: you lose protection for any unauthorized transfers that happen after the 60-day mark, with no cap.
The 60-day clock starts when your bank sends or makes available the statement showing the unauthorized charge.10Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers A fraudulent $8 fee you ignore for months can quietly open the door to larger transactions if someone has your credentials.
What the Bank Has to Do
Once you notify your bank, it has 10 business days to investigate and reach a decision. It can extend the review to 45 days, but only if it provisionally credits your account within those first 10 business days so you have access to the disputed funds while the review continues.11eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors The bank must give you the results within three business days of finishing the investigation, and any correction must post within one business day of that finding.
If the bank denies your claim, you can file a complaint with the CFPB online or by calling 855-411-2372.9Consumer Financial Protection Bureau. How Can I Stop a Payday Lender From Electronically Taking Money Out of My Bank or Credit Union Account?