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 the next time you get paid with zero interest and no late fees.
Empower Card*: Earn 0.01% Annual Percentage Yield (APY)** 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.
AutoSave: 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 account* 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 purchases.
Smart Recommendations: Enjoy proactive recommendations on how to earn more and uncover extra savings. We monitor your money and send you updates. Think notifications like: bill increases, missed bills, bank fees, credit utilization, and more.
Credit Score Monitoring: Sign up to keep tabs on your credit score, right in our app.
* 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.
*** 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.