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Managing your money can be the easiest thing you do all day. Save, budget, and bank more wisely with a personalized financial expert in your pocket. Join the 650,000+ people who have downloaded the Empower app to master their money and achieve their financial best.

How? Automated saving. Painless budgeting and spend tracking. Human coaches ready to share personalized recommendations on how to pay down debt, uncover extra savings, and tackle any other finance question on your mind. Proactive tips and up-to-the-minute alerts to help you make better financial choices in real time. 1.40% APY on checking with no minimums and no hidden fees.

Why? Because your money deserves more. Let’s break it down:

Automated Saving.
Save $1,500 or more every year, without even trying. Just set your weekly savings target, and Empower will continuously study your income and spending and automatically knows when to save the right amount of money at the right moment in time. Save more than ever before, without lifting a finger.
- 1.40% APY on all your money
- FDIC insured up to $250,000
- Access your money anytime
- No monthly maintenance fees
- No account minimums

Painless Budgeting & Spend Tracking.
Whip up budgets that reflect your lifestyle and get notifications on how your bills and purchases are tracking to plan.
- Customizable budget categories
- Weekly or monthly spend limits
- 24/7 alerts on $ left to spend
- Monthly reports

Expert Tips
Empower keeps an eye on your money so you don’t have to. It’s like having a personalized financial expert in your pocket. Sit back, relax, and we’ll tell you when and how to make better financial choices. We’ll notify you about these (and more):
- Bank fees
- Bill increases
- Missed bills
- Credit utilization
- Spend tracking
- New ways to save

Human Coach.
Our human coaches are on standby to help you through any financial challenge, big or small, tricky or basic. Think personalized tips to steer you in the right direction. Goodbye, Alexa.

High-Interest Checking.
Enjoy a high-interest checking account with an APY that’s 35x higher than traditional banks. Make wayyy more money on your money — spend it, save it, you choose. We’ll make it grow.
- 1.40% APY on all your money
- Debit card with 24/7 alerts on all transactions
- 55,000+ free ATMs nationwide
- 1 monthly out-of-network ATM reimbursement
- FDIC insured up to $250,000
- No monthly maintenance fees
- No overdraft fees
- No insufficient funds fees
- No foreign transaction fees
- No account minimums
- Feature to lock/unlock your card in app
- Customer care team at your service

Data Privacy and Security.
Your personal data belongs to you, and you alone. We would never share or sell your information to another party. And we keep your money safe and sound with the latest-and-greatest bank-grade security features and protections, like:
- AES 256-bit encryption
- Multi-factor authentication
- Touch/Face ID

Love for Empower.

Recognized by Apple in "New Apps We Love" and by Time Magazine in "Best Apps of the Year So Far." Featured in Forbes, The New York Times, Business Insider, TechCrunch, and USA Today.

For more information, visit empower.me.

The Empower interest checking account is opened and maintained with, and the Empower debit card is issued by, Evolve Bank & Trust, member FDIC. No hidden fees, no minimum balance. 1.40% Annual Percentage Yield (APY) may change at any time. APY as of October 30, 2019.

What’s New

Version 4.0.4

Introducing Empower Cash Advance! Get up to $150 when you need it. No interest. No fees. No credit check. Join the waitlist today!
- This build also fixes a crash effecting some login attempts.

Ratings and Reviews

4.7 out of 5
6.9K Ratings

6.9K Ratings

cmoniiieyeeyuy ,

Almost Perfect

I very rarely write reviews, but for this app I’m going to make an exception. I’ve been searching for a budgeting and savings app for a while now, and I’ve tried competitors like mint and even gave a couple paid offerings a shot. Honestly, this app is far better than the competition. It includes all the same features you’ve come to expect in a budgeting app such as financial advice and linking accounts, but it does it better. One good example of its superior customer experience is the feature to add and remove specific accounts from your financial institution (For instance, if you have a savings account connected to your chase checking account that you’ve never touched, it’s not going to be around to irritate you and take up space.) This app even lets you link your investment institutions and lets you see how your securities are doing right in the app! My only gripe is that for whatever reason I’m having trouble connecting my Robinhood account. If anyone from customer service sees this review, I’d be very grateful for some assistance. : )

cheis23 ,


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 (support@empower.finance), 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!

wait to download ,


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 support@empower.finance. Thanks!


Empower Finance, Inc.
167.1 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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    Get things done within this app using just your voice.

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