Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Empower Thrive provided by FinWise Bank, Member FDIC.

* Sources: Experian, CFPB, MarketWatch

^ Credit scores below 700 are considered poor or fair and are typically subject to unfavorable conditions like higher interest rates and lower borrowing limits.

† “Invisible” means credit activity that isn’t reported to the credit bureau and therefore not included in the consumer’s credit score. “Unscorable” means the consumer has a limited or thin credit file and therefore no credit score, and credit agencies aren’t able to determine credit risk.

Any balances you hold with nbkc bank, including but not limited to those balances held in Empower accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Empower accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.