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.

Best Banking.

- 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.

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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.