11 ways to reach your money goals

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

How does the referral program work?

Referrals screenshot

Give $10, Get $10

  • Download the Empower app from the App store or Play store using the link your friend shared with you
  • Create a new Empower account
  • Accept your first Cash Advance^
  • Receive $10 bonus direct to your bank account!^^

FAQ

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How and when will I get my referral reward?

Your cash reward will be transferred directly into your Empower* or External Bank Account within 2 business days of the successful referral being completed. We will notify you in-app when we transfer the funds.
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Is there a mininum Cash Advance amount needed to qualify for the reward?

No. You are eligible for the reward independently of the amount of your first Cash Advance.
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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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* Banking services provided by, and Empower Debit Card issues by, nbkc bank, Member FDIC. 0.05% Annual Percentage Yield (APY) may change at any time. APY as of Mar 30, 2021. Empower charges an auto-recurring monthly subscription fee of $8 for access to the full suite of money management features offered on the platform. The subscription fee will apply (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription.

** 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 Checking Account, among other conditions, are necessary to qualify for advances greater than $50. Free instant delivery is available for eligible Empower Checking Account customers.

^^ Terms and conditions apply.