Crush your financial goals with Empower. Managing money should be easy for everyone, so we created our app to make this possible! We offer the following features and more:
Cash Advance: Get up to $250^ direct to your bank account. Pay us back later with zero
Empower Card*: Earn 0.01% Annual Percentage Yield (APY)** on all your money with no
minimum balance required when you have an Empower Card account with us. Get your
paycheck up to 2 days early*** and earn up to 10% cashback*** on select purchases.
Automatic Savings: Set your weekly savings goal and let us figure out how to make it happen
for you. We monitor your account balance every day, including the type and speed of cash
inflows and outflows, to detect when you’ve got excess cash vs. when you’re running low on
cash. We set aside money in your AutoSave when you can afford to do so.
Effortless Budgeting: Customize your budget categories and stay on top of your spending 24/7.
Set budgets for every aspect of your life and get real-time alerts on paychecks, bills, and
increases, missed bills, bank fees, credit utilization, and more.
^ Eligibility requirements apply.
* Empower is a financial technology company, not a bank. Banking services provided by nbkc
bank, Member FDIC.
** Banking services provided by nbkc bank, Member FDIC. 0.01% Annual Percentage Yield
(APY) may change at any time. APY of 0.01% as of October 1, 2021. Empower charges an auto-
recurring monthly subscription fee of $8 after your first 14 days.
*** Early access to paycheck deposit funds depends on the timing of the employer's submission
of deposits. We generally post such deposits on the day they are received which may be up to 2
days earlier than the employer's scheduled payment date. Cashback deals on Empower Card
purchases, including categories, merchants, and percentages, will vary and must be selected in
the app. Cashback will be applied automatically when the final transaction posts, which may be
up to a week after the qualifying purchase.