Empower - Save, spend, track & manage your money

Save and bank better with a financial expert in your pocket. Our budgeting tools, human coaches and expert tips let you master your money like a pro.

Join the 650,000+ people who have downloaded Empower to prepare for the future, budget wisely, and crush their financial goals. Let’s break it down:

Automated saving

Save $1,500 or more every year, without even trying. Set your weekly savings target, and Empower will study your income and spending and automatically knows when to save the right amount of money at the right time.

- Empower deposits are FDIC insured up to $250,000

- Access your money at anytime

- Unlimited withdrawals

- No account minimums

Painless budgeting and 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. Sit back, relax, and we’ll tell you when and how to make better financial choices. We’ll notify you about these (and more):

- Account alerts – Empower notifies you about bank fees, bill increases, missed bills, credit utilization, new ways to save, and more

- Subscription management – Empower shows you all of your subscriptions and helps you cancel any you're not using anymore.

- Bill negotiation – Empower negotiates your phone, cable and internet bills to get you better deals.

Human coach

Our human coaches are always here to help you through any financial challenge. Think personalized tips to steer you in the right direction.

Checking account

Enjoy a checking account with an APY that's higher than traditional banks. Make more money on your money — spend it, save it, you choose. We’ll make it grow.

- 0.25% APY on all your money

- Debit card with 24/7 alerts on all transactions

- 3 monthly ATM fee reimbursements

- Empower deposits are FDIC insured up to $250,000

- No account minimums

- No overdraft fees

- No insufficient funds fees

- Feature to lock/unlock your card in app

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.

Banking services for new accounts provided by nbkc bank, Member FDIC. 0.25% Annual Percentage Yield (APY) may change at any time. APY as of March 19, 2020. Empower charges an auto-recurring subscription fee of $6 for access to the full suite of money management features offered on the platform after your first 30 days.

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.

Annual savings through our AutoSave feature may vary based on the customer’s savings selection and financial circumstances.

口袋里有一位财务专家，可以更好地节省资金和银行业务。我们的预算工具，专家指导和专家提示使您像专家一样精通您的资金。

加入650,000多名下载了Empower的人，他们为未来做准备，明智地预算并粉碎他们的财务目标。让我们分解一下：

自动保存

每年省下$ 1,500或更多，甚至不需要尝试。设定您的每周储蓄目标，Empower将研究您的收入和支出，并自动知道何时在适当的时间存入适当的金额。

-授权存款由FDIC承保，最高保额为250,000美元

-随时取钱

-无限取款

-无最低帐户要求

无痛预算和支出跟踪

编制反映您的生活方式的预算，并获取有关如何跟踪账单和购买计划的通知。

-可自定义的预算类别

-每周或每月支出限额

-剩余的$上有24/7的提醒费用

-月度报告

专家提示

Empower会密切关注您的资金，因此您不必这样做。坐下来，放松，我们将告诉您何时以及如何做出更好的财务选择。我们会通知您以下（以及更多）信息：

-帐户警报– Empower会通知您有关银行费用，账单增加，账单遗失，信贷使用，新的储蓄方式等信息

-订阅管理– Empower显示所有订阅，并帮助您取消不再使用的所有订阅。

-账单协商-Empower协商您的电话，电缆和互联网账单，以为您带来更好的交易。

人类教练

我们的人力教练始终在这里为您解决任何财务挑战。考虑个性化提示，以引导您朝正确的方向发展。

支票账户

享受比传统银行更高的APY支票帐户。您可以用自己的钱赚更多的钱-花钱，存钱，选择。我们将使其成长。

-您所有资金的0.25％APY

-带有24/7警报的所有交易的借记卡

-每月偿还3次ATM费用

-授权存款由FDIC承保，最高保额为250,000美元

-无最低帐户要求

-没有透支费

-没有足够的资金费用

-可以在应用程序中锁定/解锁卡的功能

数据隐私和安全

您的个人数据属于您，并且属于您自己。我们绝不会将您的信息共享或出售给另一方。此外，我们还提供最新，最先进的银行级安全功能和保护，使您的资金安全无虞，例如：

-AES 256位加密

-多因素认证

-触摸/脸部ID

热爱权力。

苹果公司在“我们喜欢的新应用程序”和《时代》杂志的“迄今为止的年度最佳应用程序”中均获得认可。在《福布斯》，《纽约时报》，《商业内幕》，《 TechCrunch》和《今日美国》上都有报道。

有关更多信息，请访问授权。

FDIC会员nbkc银行为新帐户提供的银行服务。 0.25％的年收益率（APY）可能随时更改。截至2020年3月19日的APY。Empower收取30美元的自动重复订阅费，以使用该平台上提供的全套资金管理功能，费用为6美元。

对于在美国境外使用Empower Visa借记卡，Empower不收取国外交易费用。但是，Visa收取1％的国外交易费。对于国外的ATM交易或任何其他外国交易或购买，Empower不会退还这1％的交易费。

根据客户的储蓄选择和财务状况，通过我们的自动保存功能实现的年度储蓄可能会有所不同。