No way! You work hard for your money and should know where every penny is going. Here’s a breakdown of fees Empower charges so you know exactly what to expect. You can also check out our fee schedule here.
Subscription Fee
Empower charges an $8** auto-recurring monthly subscription fee to use the platform. The subscription fee is automatically debited from your linked external bank account every month. See terms here.
Foreign transaction fees
Foreign exchange fees are charged on international transactions and that amount is 1% of the total transaction amount.
Cash Advance
There are no interest or late fees associated with Cash Advance.
Instant Delivery Fees
There is no fee to receive your Cash Advance via ACH to your linked external bank account. Delivery usually occurs within 1 business day (next day ACH), but may take between 2-5 days, depending on your bank.
Customers with a qualifying Empower debit card account can receive their Cash Advances to this account instantly without paying a fee.
If you choose Cash Advance instant delivery to your linked external bank account, you will pay the following fees:
| Cash Advance Amount | Instant Delivery Fee |
| $0-$10.00 | $1.00 |
| $10.01-$49.99 | $2.00 |
| $50.00 - $74.99 | $3.00 |
| $75.00 - $99.99 | $4.00 |
| $100.00 - $149.99 | $5.00 |
| $150.00 - $199.99 | $6.00 |
| $200.00 - $249.99 | $7.00 |
| $250.00 or more | $8.00 |
**Customers that signed up prior to 7/29/2020 will continue to pay $6 monthly for their subscription.
Please keep in mind that deleting the app does not unsubscribe you.
The $8 fee is for the banking and budgeting tools and does not have an association with advancing.