To start, please make sure to link the account you receive your payroll in to your Empower app.
You can check to see whether or not you're qualified in the home page of the app after you tap on "Check eligibility now."
Each item under "Qualifications" shows whether you are qualified for that offer or not.
To become qualified for an offer, you'll have to meet requirements in that section. Tap on each qualification in your app for details.
There are multiple tiers of qualifications:
- Base offer ($25)
- Average monthly take home income must exceed $500
- 2 deposits of at least $100 in each of last three months
- Maintain over $100 balance for 10 days* in the last 30 days
- Current account balance must be healthy
- Recurring paycheck ($50)
- Cash Advance account must have been active for at least 60 days
- Account must average at least 2 transactions per day
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Current account balance must be healthy
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Must have three recent, recurring deposits of $200 or more from same employer
- Average monthly take home income must exceed $500
- Maintain an account balance of at least $50 up to two days** after pay date (this must be detected for at least the past 4 pay periods)
- Paycheck at Empower ($100)
- Direct deposit of paycheck of at least $200 in the last 14 days or at least $500 in the last 30 days into your Empower account (Click here from your mobile device to set up direct deposit to Empower in the app.)
- Repayment history ($250)
- At least 3 Cash Advances accepted & repaid through Empower Card over three pay cycles
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Must have three recent, recurring deposits of $200 or more from same employer
Common questions:
Q: I've repaid my Cash Advance. When can I get another?
A: We set your repayment date based on the pay cycle we detected. Once the repayment is debited from your account, it will take 3 business days to process. You will then be able to see when your next Cash Advance is available.
*4 days on certain institutions
**1 day on certain institutions