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 provided by nbkc bank, Member FDIC. 0.25% Annual Percentage Yield (APY) may change at any time. APY as of July 27, 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 empower.me.
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Ratings and ReviewsSee All
DO NOT GET THIS APP...I REPEAT DO NOT
This app does not allow the user to unlink their account, which is a cause for concern. I want to cancel because they charge a $6/month fee for all new users. Before I cancel I want to remove my linked bank account but the app does not let you remove it. To cancel you have to email them and wait to get a response. I literally was on email all day back and forth to then have the person from Synapse say they can’t help me because they don’t know about the Empower app and they only handle the back-end banking. I asked who can assist me with the removal and she never replied. I googled and found a number which led me back to Synapse live person and explained everything again. At least this person emailed Empower app, cc’d me to get try to get some resolve. Which unfortunately did not happen, as I asked if they (Empower) can remove my linked account on the developer end and I got no response to my question. DO NOT USE THIS APP. The 1.6% is not worth the headache of the run around and non responsive Synapse customer support. Find an online bank that offers same or better rates with no headaches when you decide to cancel.
Developer Response ,
Hi there, sorry to hear about your experience. Please email us directly at email@example.com and our team will get this resolved for you as soon as possible.
Doesn’t link with my credit union so can’t use most of the features advertised. It says it will but whenever I try there is a “problem. Please try again later.” I’ve been trying for 3 weeks. When I contacted support (after some frustrating and counter-intuitive discussions with a Bot) they told me there was a temporary outage with my credit union and to try again in a week. Obviously disappointed and finding this app totally useless I deleted my account. It says all my data and account details will be deleted. Yet when I attempt to re-sign in and confirm my account has been deleted it simply just re-signs me in and all my data is still there and it hasn’t been deleted at all. I don’t know why so many people are giving this good reviews. Perhaps they haven’t used it properly but I was very keen to use empower that I’d already decided I would. I decided to just do some simple tests to put my mind at ease about using a new company and they failed all of those tests: doesn’t link with external accounts as advertised, time wasting bots are the customer support, solutions eventually offered are totally inadequate and when I made my decision that this “bank” (its really a tech company) wasn’t for me I had to repeatedly email and message them to actually manually delete my account (even though the app tells you you can do it from their main menu). New companies will improve the banking experience in the near future. Empower is not one of those.
Developer Response ,
Hi there, Very sorry to hear that you've run into some issues with using our app, particularly revolving around linking your credit union. If you're still interested, we'd love to discuss some of these points further, via email (firstname.lastname@example.org), or the in-app chat, but we can understand if you're already satisfied with the amount of time you've spent giving Empower a try.
In any case, thank you for the feedback!
DOES NOT SUPPORT 2ND CARD OR MANY ATMS OPTIONS
My wife and I read about Empower through a financial article and it sounded like a great option for us. We had closed our Chase account and kept our PNC open until everything was switched over to cover expenses and make sure there was no lapse in bills. So once that was finished we finally got our....1 card? Empower does not support two cards for the same account. That was not disclosed or advertised or anything. It was deep within their “Help” section after we had signed up.
So because it does work with Apple Pay we thought, ok the options and cash back are a nice option so let’s get through it. Well, we finally closed our PNC account and just had empower at this point. My pay check was a live check one week because of the switching of accounts, they wanted to be sure I could have the cash. So with this live check I look on how to deposit it or cash it..... THEY DON’T HAVE SUPPORT FOR THIS. The only way you can contact them is a messenger or email and you MIGHT get an answer back in 24-48 hours even though their app says most replies are in 2 hours of the operation times. They have no answers. So I had to go to my local grocery store where they would cash it but for $8. I responded back to their for short email giving me no answers and that was 24hours ago. Other than that, the app works nicely. Just can’t deposit cash or checks. HUGE flaw when setting up this business.
Developer Response ,
Hi, thank you very much for taking the time for the feedback notice. Please be reassured that we take well notice of the improvements our customers are requesting, and we are actively working on getting a secure way to deposit cash or checks. For the $8 ATM fee, that's on Empower since the 1st fee of the month is on us. We are also taking well notice of the request of having 2 cards for a joint account. We'll continuously work on making this better for you in the next releases. Please let us know if any issues or concerns at email@example.com. Thanks!
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