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About Empower: Cash advance, savings & budget app

Save, budget, bank, and manage your money wisely with a financial expert in your pocket. Plus get a cash advance when you’re in a jam, no questions asked.

Join the 650,000+ people who use the Empower app to bank, build more savings, and get a cash advance up to $150.

Track your money and save money with the Empower app. Why? Because we want you to reach your money goals using the online banking, savings & budget app you deserve. Let’s break it down:

Save money with automated saving and spend trackers. You could save $1,500 or more every year - set a weekly savings target, and reach your financial goals. We’ll track your income and spending, and bank the right amount of money for you into your savings. This is the simplest way to achieve your money goals.

Earn 0.25% APY* on savings when you also open an Empower interest checking account.
Empower deposits are FDIC insured up to $250,000* - Access your money anytime. No account minimums.

Save money with our budgeting and spend trackers. Banking doesn’t need to be hard. We’ll whip up a budget that reflects your lifestyle. Manage and track money against your bills and purchases so you can work towards your financial goals.

- Cash advance. Get fast cash when you're in a jam. Life doesn’t always wait for your next paycheck. Get up to $150 with no interest, no late fees, no credit check. Eligibility requirements apply.

- Customizable budget categories. Track money with weekly or monthly spend limits - 24/7 alerts on $ left to spend. Monthly reports to help you manage your spend.

- Expert finance tips. We have human coaches ready to share personalized recommendations and finance tips on how to pay down debt, uncover extra savings, and tackle any other finance issues.

- AutoSave**. Save money and crush your money goals the easy way! We keep an eye on your money so you don’t have to. It’s like having a personalized banking expert in your pocket. Sit back, relax, and we’ll tell you when and how to make better financial choices.

- Account alerts. Empower notifies you about banking fees, bill increases, missed bills, credit utilization, new ways to save, and more.

- Subscription management. Empower shows you all of your subscriptions and helps you cancel any you're not using anymore. - Bill negotiation – Empower negotiates your phone, cable, and internet bills to get you better deals.

- Human coach. Our human coaches are always here to help you through any financial challenge. Think personalized tips to steer you in the right direction.

- 0.25% APY* on all your money. Debit card with 24/7 alerts on all transactions. 3 monthly ATM fee reimbursements^. No overdraft fees - No insufficient funds fees. No account minimums. Feature to lock/unlock your card in-app.

- Data privacy. Your personal data belongs to you, and you alone. We would never share or sell your information to another party.

- Security. We keep your money safe and sound with the latest-and-greatest bank-grade security features and protections: AES 256-bit encryption, Multi-factor authentication, Touch/Face ID.

*Banking services for new accounts provided by nbkc bank, Member FDIC. 0.25% Annual Percentage Yield (APY) may change at any time. APY as of July 29, 2020. Empower charges an auto-recurring subscription fee of $8 for access to the full suite of money management features offered on the platform after your first 30 days.

^Reimbursement for up to 3 ATM fees per month, with a maximum reimbursement of $10 per ATM withdrawal.

**Annual savings through our AutoSave feature may vary based on the customer’s savings selection and financial circumstances.

Empower does not charge foreign transaction fees for the use of the Empower Visa Debit Card outside of the US. However, Visa charges a foreign transaction fee of 1%. Empower does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases.

For more information, visit

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