Empower, the mobile bank with unmatched rewards

Free, no minimums


We're thankful for your business, it shouldn’t cost you anything to bank with us.

Free ATMs


Access 25,000 free ATMs and get 1 out-of-network reimbursement a month, anywhere in the world.

2.00% APY


Get top-of-the-market interest rate for your savings without locking it up somewhere inaccessible.

AI assistance


Get intelligent alerts and analyses about your money in the award-winning app.

A better way to pay

Cash back


On the first $1,000 of purchases charged to the debit card each month.

Visa protection


You're protected if your Empower Visa debit card is lost, stolen or fraudulently used, online or offline.

Budgeting


Avoid getting into debt by spending only what you have. You’re 100% in control.

Pay anywhere


Pay anywhere Visa is accepted, and with Apple Pay & Venmo. The possibilities are endless.

How we stack up

Traditional Banks

Empower

CHECKING

Monthly fee

Account minimum

Overdraft fee

Insufficient fund fee

ATMs

International transaction fee

SAVINGS

Monthly fee

Account minimum

Interest rate

Filler

$12

$25

$12-35

$35

$2.50

3%

Filler

$8

$100

0.03% APY

Filler

$0

$0

No!

No way!

Free 25k in-network!

Get outta here!

Filler

Why would you even?

Makes no sense…

2.00% APY!

CHECKING

Monthly fee
Traditional banks $12
Empower $0
Account minimum
Traditional banks $25
Empower $0
Overdraft fee
Traditional banks $12-35
Empower $0
Insufficient fund fee
Traditional banks $35
Empower No!
ATMs
Traditional banks $2.50
Empower Free 25k in-network!
International transaction fee
Traditional banks 3%
Empower Get outta here!

SAVINGS

Monthly fee
Traditional banks $8
Empower Why?
Account minimum
Traditional banks $100
Empower Nope!
Interest rate
Traditional banks 0.03% APY
Empower 2.00% APY

Unmatched banking.