The most intelligent way to bank with personalized advice to help you save and earn more.
Budget better with sophisticated tools and real-time alerts. Get live expert advice on-demand. Earn 1.40% APY on checking and cashback on debit purchases. All this in one seamless easy-to-use mobile app, with zero account fees or minimums.
Join over half a million customers who’ve installed the Empower app to grow their wealth and navigate their financial life more confidently than ever before. A powerful game-changing way to bank, in the palm of your hand, with you in the driver’s seat. Because your money deserves more.
- Discover the all-new Empower high-interest checking account making wayyy more money on your money. Spend it, save it, you choose. We’ll make it grow.
- 1.40% APY on all your money
- Cashback on debit purchases using your peach Empower debit card
- FDIC insurance up to $250,000
- No monthly account fees, no overdraft fees, no insufficient funds fees, no foreign transaction fees
- No account minimums
- 25,000+ free ATMs nationwide + 1 out-of-network reimbursement each month
- 24/7 alerts on all transactions
- Ability to lock your Empower debit card within the app
- Customer care team, at your service
Best Financial Coaching.
Use our flexible, practical money management tools and financial expertise to make smarter financial choices. Our digital AI assistant helps you organize and budget your money and track your spending by category, while our team of resident financial gurus are on standby to answer the trickier questions on your (financial) mind. With thoughtful, personalized advice and assistance at your beck and call, you’ll never leave money on the table:
- Ask our team of finance experts anything. Literally. Their job is to educate and inform, on demand.
- Receive personalized recommendations on how to spend and save wisely
- Set custom categories and budgets for every aspect of your life
- Get real-time notifications on purchases, bills, paychecks, and how you’re tracking to budget
- Link your financial accounts for a complete snapshot of your entire financial life
Best 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 security features and protections, like:
- Bank-grade AES 256-bit encryption
- Multi-factor authentication
- Touch ID
So Much 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 fees, no minimum balance. 1.40% Annual Percentage Yield (APY) may change at any time. APY as of October 30, 2019.
Bug fixes and improvements
Ratings and Reviews
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. : )
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!
With Family Sharing set up, up to six family members can use this app.
Get things done within this app using just your voice.