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Description

The Empower Card is the only card you’ll ever need. Score Cash Advance up to $250* with no interest. Get paid up to 2 days faster†. Earn up to 10% cashback^. And never pay another overdraft fee. No matter what lies ahead, we’ll help you thrive.

(Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.)

GET CASH ADVANCE UP TO $250*
You’re doing everything you can to get ahead, but some weeks it’s just not enough. Empower will float you up to $250 in fast cash when you need it most — No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck.

GET PAID UP TO 2 DAYS FASTER†
Set up paycheck deposit to Empower, and we’ll make that money available to you ASAP. That means up to 2 days earlier than most banks. Total game changer.

GET UP TO 10% CASHBACK^
Save money on the places where you shop already, like restaurants, grocery stores, gas stations, and more. No random offers, only great deals you’re certain to use every week.

GET FREE ATM WITHDRAWALS
Enjoy convenient access to over 37,000 ATM locations across the US. Use them as often as you want, whenever you want, and never get charged a single dime for taking out cash.

GET FAST SERVICE
We’ve got our A team on standby to handle your questions over the phone or live chat Monday-Friday from 6 AM – 6 PM PT. (We’ve got email too if that’s more your jam.)

Empower also helps you:

TRACK YOUR SPEND
Take control of impulse shopping with 24/7 alerts that monitor your expenses against your spend limits by category.

SAVE AUTOMATICALLY
Set aside cash for emergencies and big purchases — without lifting a finger. Just tell us your weekly savings target, and we’ll study your income and expenses daily to figure out when and how much you can afford to save. We’ll automatically move that money from your spending account to your Empower AutoSave Account so it’s there for you when you need it.

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RECOMMENDED BY
Money Under 30, Investor Junkie, Money Crashers, Consumerism Commentary, The College Investor, DoughRoller

NO-NONSENSE PRIVACY
Your personal data belongs to you, and you alone. We would never share or sell your information to a third party.

STRICT 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.

For more information, visit empower.me.

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* Eligibility requirements apply. Free instant delivery is available for eligible Empower Checking Account customers with an activated debit card.

† Early access to paycheck deposit funds depends on the timing of the employer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer's scheduled payment date.

^ Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.

Empower charges an auto-recurring monthly subscription fee of $8 for access to the full suite of money management features offered on the platform. The subscription fee will apply (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription. Empower deposits are FDIC insured up to $250,000.

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.

What’s New

Version 5.11.2

We've added a few bug fixes and some more polish to Empower your experience!

Ratings and Reviews

4.8 out of 5
31K Ratings

31K Ratings

nioleeo ,

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 help@empower.me and our team will get this resolved for you as soon as possible.

cheis23 ,

Avoid

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 ,

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 support@empower.finance. Thanks!

App Privacy

The developer, Empower Finance, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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