The Empower card is the only card you will need. Cash advance of up to $ 250 * without interest. Get paid up to 2 days faster †. Earn up to 10% cash back ^. And never pay overdraft fees again. No matter what awaits you, we’ll help you thrive.
(Empower is a FinTech company, not a bank. Banking services provided by FDIC member nbkc bank.)
GET A CASH ADVANCE OF UP TO $ 250 *
You do everything you can to move forward, but some weeks it’s just not enough. Empower will give you up to $ 250 in cash fast when you need it most – No interest, no late fees, no credit checks. Simply pay us back when you get your next paycheck.
GET PAID UP TO 2 DAYS FASTER †
Set up the paycheck deposit on Empower, and we’ll make that money available to you ASAP. This means up to 2 days earlier than most banks. Total game changer.
GET UP TO 10% CASHBACK ^
Save money on places you already shop, like restaurants, grocery stores, gas stations, etc. No random offers, only great offers that you are sure to use every week.
GET FREE WITHDRAWALS
Enjoy convenient access to over 37,000 ATMs across the United States. Use them as often as you want, whenever you want, and never get charged a single penny to withdraw money.
GET FAST SERVICE
Our A Team is ready to answer your questions by phone or live chat Monday through Friday 6:00 am – 6:00 pm PT. (We also have emails if that’s more your jam.)
Empower also helps you to:
TRACK YOUR EXPENSES
Take control of impulse buys with 24/7 alerts that monitor your spending against your spending limits by category.
Save money for emergencies and big purchases without lifting a finger. Just tell us your weekly savings goal and we’ll take a look at your income and expenses on a daily basis to determine when and how much you can afford to save. We’ll automatically transfer that money from your expense account to your Empower AutoSave account so it’s there for you when you need it.
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Your personal data belongs to you, and you alone. We will never share or sell your information to a third party.
We keep your money safe with the latest and greatest bank-grade security features and protections: 256-bit AES encryption, multi-factor authentication, Touch / Face ID.
For more information, visit empower.me.
* Eligibility conditions apply. Free Instant Delivery is available to eligible Empower Checking Account customers with an activated debit card.
† Early access to paycheck deposit funds depends on when employer submits deposits. We usually post these deposits on the day they are received, which can be up to 2 days before the expected payment date by the employer.
^ Reimbursement offers on Empower Card purchases, including categories, merchants and percentages vary and must be selected in the app. The cashback will be applied automatically upon posting of the final transaction, which may take 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. Subscription fees will apply (a) after the end of the 14-day free trial for new customers, and (b) immediately for customers returning for a second or subsequent subscription. Empower deposits are insured by the FDIC up to $ 250,000.
Empower does not charge an overseas transaction fee for using the Visa Empower debit card outside of the United States. However, Visa charges an overseas transaction fee of 1%. Empower does not reimburse this 1% transaction fee on overseas ATM transactions or any other overseas transaction or purchase.