Empower - Rewards Banking

Empower - Rewards Banking

By Empower Finance

  • Category: Finance
  • Release Date: 2017-05-09
  • Current Version: 2.8.1
  • Adult Rating: 4+
  • File Size: 89.18 MB
  • Developer: Empower Finance
  • Compatibility: Requires iOS 9.0 or later.
Score: 5
From 5,155 Ratings


Earn 2.00% - 4.00% on savings and up to 2% cashback on debit. No fees or minimums. Join nearly half a million who are getting rewarded & building savings. Why not get rewarded for banking? Earn money on both your checking and savings account, regardless of your balances. Get a 24/7 Financial Assistant. And never pay any fees, ever again. Featured by Apple as “New Apps We Love”, The New York Times, Time, and Forbes, Empower’s no-fee mobile banking is easy to use and unmatched in its rewards. Accounts are FDIC-insured up to $250,000. It takes only 3 minutes to sign up for Empower banking. You get: * Checking account with up to 2% cashback on debit * Savings account earning 2.00% - 4.00% * A 24/7 AI-powered Financial Assistant * Instant push notifications for all debit card transactions * Seamless budgeting * Get 30 days of Rewards Boost for referring friends. Get an extra 1% cashback on debit and an additional 2% per annum on your savings on top of the standard 2.00% APY! Talk about unmatched rewards! * No fees * No overdrafts * No foreign transaction fees * No minimum balance requirements * FDIC insured up to $250,000 * Network of 25,000+ free ATMs * One free out-of-network ATM reimbursement per month, anywhere in the world! * Apple Pay support * Protection from unauthorized purchases through Visa's Zero Liability Policy IN ADDITION, GET EMPOWER'S 24/7 FINANCIAL ASSISTANT FEATURES: * See all of your accounts in one place—including bank, credit card, loan, retirement, and crypto * Protect and improve your credit scores by monitoring your credit utilization * Track your spending and get insights into where it’s going * Create budgets, including being notified when you’ve spent too much on coffees this month * Save money by cancelling subscriptions or asking us to negotiate cell phone/Internet/cable/home security bills * Refinance your debt by accessing low-interest loans, even without a great credit score * Check your balances and transactions on your phone—anytime, from anywhere * Have a pair of eyes on your money 24/7, alerting you of anything unusual * Chat with a personal finance coach about your money questions EMPOWER’S STATE-OF-THE-ART SECURITY FEATURES INCLUDE: * Empower uses bank-grade security measures like AES 256-bit encryption, multi-factor authentication, PIN code, and Touch ID to protect your account. * Your personal information is fully encrypted using SSL. HERE’S WHAT OTHERS HAVE TO SAY: * Forbes: “The app will let you renegotiate big bills you didn't even realize you could reduce.” * Time: “Get some help cleaning up with Empower, a new money management app designed to help you make sense of your financial life.” * The New York Times: “Empower focused on “finding” people savings by analyzing their accounts and suggesting higher-interest savings, lower-interest cards, and subscription cancellations.” The Empower savings and checking accounts are opened and maintained with, and the Empower debit card is issued by, Evolve Bank & Trust, member FDIC. 4.00% per annum = 2.00% APY + 2.00% per annum Boost for one month per referral. No fees, No minimum balance. 2.00% Annual Percentage Yield (APY) may change at any time. APY as of Jan 7th, 2019. Earn 1% cashback on the first $1,000 each month. Earn an additional 1% cashback on the first $1,000 for each referral period.



  • Great All-in-One Solution! 👌

    By M. Isreal
    Made my first cash deposit at ATM! 💰🙌🏽Analyze the features, deposit the savings! Talk about simplified life. Financials gathered into one place. No fees! Cashback on purchases, High-rate savings... no minimum. Cash deposits at local ATM* 💰 Truly fee-less. No surprises 👀🧐🤔. Discipline and a strategic approach would improve anyone’s credit. Empower! 👍
  • Good

    By raulcortez92
    Good so far
  • Funded and having fun!

    By ChrisBrown0003
    I am very pleased with my banking experience so far I love that I can get cash back on my debit transaction and am able to utilize the user-friendly interface to track my budget and alleviate my stress!
  • Fix the app!

    By Alb3rt0000
    I actually like this bank I really only use it for savings because of the 2.00%APY which I love. But what I don’t love is when the app randomly stop working or when I close it and open it again and it shows a $0 balance!! I hate when it dies that scares me every time!! PLEASE FIX!! I always have to close the app wait a minute and reopen it and everything is working again.
  • Can’t add an authorized user for checking account

    By corrupt episodes
    If you’re married stay away from this bank until they get their act together and join the rest of the world with the ability to add an authorized user to share a checking and savings account with. It’s mind boggling this isn’t standard and makes me question the entire platform and their decision making as a bank as a whole. I emailed customer support and their solution was to either share the one card (which is laughable) or one person uses the card and the other only makes digital purchases. News flash: not everyone lives in homeless central San Francisco and not everywhere accepts digital purchases yet.
  • Best Bank

    By Tracy Andre
    I love Empower the banking is STRAIGHT forward no hidden fees and very simple to use and they have several local banks that are in their money network! Awesome!
  • Don’t waste your time

    By Octoskull6666
    His financial situation is a joke I try to send money to it it still has not posted yet it’s been well over five days then I try to link my account to empower find out their evolve and trust and can’t even get a login information to send money to my account so I can start using it and then I get the runaround saying that they are not equipped and their system doesn’t really allow them to link to other banks or I can’t link my bank to theirs to send money to it what is the point this is a scam stay away from this financial institution I’m going to CHIME Bank
  • Be careful on Empower recommendation Billshark

    By Drates75
    It’s scam recommendations and buys beware of fine prints
  • Can’t Wait!

    By thejawnjay
    I’m so excited to get my card in the mail. So many banks have turned me down and never had good rewards programs for their customers. Now I have found Empower! I’m so excited they reward their customers. Awesome job!
  • App feedback

    By Cesar Salgado Salgado
    Please can I get the membership with my email I can’t use another email because I’ve tried submitting the application again with a new email and it won’t go through please