Empower - Get Paid to Bank

Empower - Get Paid to Bank

By Empower Finance

  • Category: Finance
  • Release Date: 2017-05-09
  • Current Version: 2.9.2
  • Adult Rating: 4+
  • File Size: 90.05 MB
  • Developer: Empower Finance
  • Compatibility: Requires iOS 9.0 or later.
Score: 5
From 5,508 Ratings


Earn 2.15% - 4.30% 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 2.15% - 4.30% * 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 2.15% per annum on your savings on top of the standard 2.15% 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. 4.30% per annum = 2.15% APY + 2.15% per annum Boost for one month per referral. No fees, No minimum balance. 2.15% Annual Percentage Yield (APY) may change at any time. APY as of Feb 6th, 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.



  • Worst app ever.

    By les4545
    I decide to try the app and deposit $50 in the savings to start off. Notice the balance would always show $0. Then I tried to transfer my money back over to my original account, I never received the $50 back. A huge rip off. Even tried to use the card at the atm, but the balance keep stating $0. This app was never up to date. This app is a scam. Do not download this app unless you want you money taken.
  • UPDATED: I’m shutting down my account! It’s a scam!

    By Cdgsuper
    Update - Please read my previous review below! I have been trying to get REAL answers from these people but they just keep telling me if my money was actually transferred to Empower it will be refunded within 5 days....okay? So I’m just supposed to sit here waiting to see what happens??? It has been THREE weeks and I have not heard back from them even though I’m trying to contact them! They never tell me anything that will help me!!! I’m getting zero REAL answers from them!!! Previous Review - I transferred hundreds of dollars from my normal bank to my Empower savings account only for my Empower account to not show any money transferred despite the fact my bank says the transfer was completed. Their customer service has responded (albeit once a day) but they have not offered me ANY solutions. SOMEONE PLEASE HELP ME GET MY MONEY BACK!!!
  • I’m fully switching

    By GameHEADtime
    I’m fully investing in empower! Please take care of our money!
  • Nice Move

    By allsolodolo
    Great banking for youth and young adults
  • Nice

    By major p@yne
    A bit of an upgrade from Mint. Same easy process
  • A well designed financial product and analysis tool

    By nelson.wp
    The app and products are well thought out, offering a good security and user experience. I enjoy that the banking card has additional features in the app such as the ability to lock/unlock the card for additional security. I asked Chase to add that to their products and they only added it to credit not debit, so I closed my account there. I originally downloaded this app to use for analysis of all my financial products, and it's very nice to see almost everything in one place.
  • Curstomer service is trash

    By ThatGuy😜🤓😎
    I’m highly upset I went to withdraw money so I can pay my rent. Then after only being able to withdraw a certain amount my card was deactivated. Then I called a number I saw online and was speaking to someone and was hung up on. Afterwards I called back in an instant and all of a sudden no one was available and I was being asked to leave a voicemail. How is it that an app can never have no one to speak with available when you do find someone or when you try online a bit responds and says they respond usually within 2 hours. This is ridiculous and I will never be using this app or have any money direct deposited to this account again because it’s stupid.
  • App has so much potential ...

    By Tjenssli
    The app is great, except that its super buggy. Transactions from the empower checking card get removed from my overall balance but sometimes dont show and therefore arent added to my budgets. I cant seem to connect my card to venmo, and operators say theyre working on resolving it but have to time period estimated. I also cant link my account to other budgeting tools like mint, forcing me to try to guess on my goals ive created there. Its also frustrating creating new labels for the budgets, as i make one, close the app and reopen it to see my label has disappeared and its just a labeless purple square—and why cant i add lyft and uber as one budget? Lots of potential here but i feel this was released with a really unstable code base, which when its the only platform u provide to users, is a real bummer. I think the services as a bank however — 5 stars.
  • So far so good!

    By Kaylinn.love
    Loving this app so far, easy to use, love the color scheme! I'm actually still waiting for my card in the mail but I already have access to it because the information is on the app. Starting off 2019 right
  • Really great app!

    By Cee Little
    Supports tracking multiple accounts from a single site, a nice touch. No bugs in my use yet. However I’m unable to link to some one of my banks which I’m hoping will be remedied.