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Cash Advance

Get fast cash for life’s little emergencies

Spend Tracking

Set spend limits and cut unnecessary expenses

Interest Checking

Make more money on your money with no overdraft fees

Smart Recommendations

Get personalized tips on where and how to save more

Automatic Savings

Save effortlessly for emergencies
and big purchases

Savings made simple with AutoSave

Just tell us your weekly savings target, and we’ll do the rest. We’ll turn you into a stockpiler in no time.

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Save for the things that matter most to you.

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How does AutoSave work? Let’s break it down

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This is what you do

  • Tell us how much money you want to save each week
  • Choose the checking account you want to transfer from
screenshot of AutoSave
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This is what Empower does

  • Studies your income and expenses daily
  • Empower sets aside more $ if we detect you've got excess cash on hand, less $ if we see expenses trending up
  • Empower deposits are FDIC insured up to $250,000*
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Your secrets are safe with us

Data privacy and security are a really big deal, for you and for us.
We’ve got bank-level security to safeguard your account at all times.

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AES 256-bit
encryption

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Touch ID

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Multi-factor
authentication

FAQ

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How do you know the optimal time for me to save?

We monitor your checking account balance every day. We set aside money in your AutoSave when you can afford to do so. If we're not able to hit your savings target in one week, we'll try again the following week.
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Will I be charged a transfer fee as money moves between accounts?

No transfer fees whatsoever. You can transfer money from your AutoSave account back into your checking account within the app. There is no cost to moving money back and forth between accounts. And you get unlimited transfers.
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How often will you transfer money into my AutoSave account?

We’ll make up to four transfers each week.

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Automated saving icon

Automated saving

Save effortlessly for emergencies and big purchases
Budget tracking icon

Budget tracking

Set spend limits and cut unnecessary expenses
Smart recommendations icon

Smart recommendations

Get personalized tips on where and how to save more
Interest checking icon

Interest checking

Make more money on your money with no overdraft fees
Cash advance icon

Cash advance

Get fast cash for life’s little emergencies
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® The Empower name and logos are trademarks and service marks (collectively, the “Empower Trademarks”) owned by Empower Finance, Inc. You do not acquire a license or any ownership rights to any trademarks, service marks, or trade names through your access or use of the Empower app or platform product or service.

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* Accounts provided by, and Empower Debit Card issued by, nbkc bank, Member FDIC, with an Annual Percentage Yield (APY) of 0.25% as of Sept. 7, 2020. APY may change at any time. Empower charges an auto-recurring subscription fee of $8 for access to the full suite of money management features offered on the platform after your first 30 days.

** Reimbursement for up to 3 ATM fees per month, with a maximum reimbursement of $10 per ATM withdrawal. 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.

^ Eligibility requirements apply. Minimum direct deposits to an Empower Interest Checking Account, among other conditions, are necessary to qualify for instant delivery and advances greater than $50.