Empower - Banking & Budgeting

Empower - Banking & Budgeting

By Empower Finance

  • Category: Finance
  • Release Date: 2017-05-09
  • Current Version: 2.5.2
  • Adult Rating: 4+
  • File Size: 80.01 MB
  • Developer: Empower Finance
  • Compatibility: Requires iOS 9.0 or later.
Score: 5
5
From 4,658 Ratings

Description

The Empower app is the home of “Your 24/7 Financial Assistant” and Empower banking, the mobile bank with unmatched rewards. “Your 24/7 Financial Assistant”: Link your existing bank accounts to have the app watch your money 24/7, analyze your accounts for saving opportunities and help you squash debt. Our users have saved thousands of dollars by tracking their spending, taking our recommendations and setting up automatic saving. Empower banking: Get a no-fee, no-minimum checking account with free ATM, 1% cash back, 2% APY interest on savings, and a beautiful, award-winning personal finance assistant app that helps you make better financial decisions. Join the waitlist today for unmatched banking. USA Today: "The newest entrant in the fray – personal finance app Empower – upped the ante this week by rolling out its mobile bank services, including a fee-free checking account with rewards and a savings account that earns significant larger yields than at the big banks." 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” NYTimes: “Empower focused on “finding” people savings by analyzing their accounts and suggesting higher-interest savings, lower-interest cards, and subscription cancellations, among lots of other features” Business Insider: “ Thanks to its ability to house and track all my financial activity in one place, plus the active role it plays in finding me hidden savings, Empower is now the only personal finance app I use.” WHY OUR USERS LOVE US: "Since using Empower, my credit score has increased from 680 to 720!" - Antonio "I love your app. I'm very, very happy with it. You guys have helped me save—just this month—about $300." - Christina "AutoSave put me on the right track. 5% of each paycheck is automatically put into my savings account. This app is ingenious!" - Tom DEETS AI assistance: - Link external accounts and manage all your money from one place - Track spending, set up goals and get alerts to stay accountable - Intelligence assistance scans your accounts for savings, such as bills you can negotiate or cheaper car insurance - 4.8 star rating by 3,500 iPhone users Empower checking & debit card: - 1% cash back on the first $1,000 of purchases on the debit card - No fees, no minimums - 25,000 free ATMs in the US - 1 out-of-network ATM reimbursement a month (anywhere in the world) - No foreign transaction fee - Lock & request new card in app - Instant notifications of transactions for enhanced security - Visa Zero Liability Policy protects you against unauthorized purchases Empower savings: - 2% APY - No fees, no minimums - Instant transfers to your Empower checking & debit card - Automated saving from Empower checking account SECURITY - 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.

Screenshots

Reviews

  • Needs work

    1
    By Wilpdx8924
    The benefits that are being offered are great! Not gonna get 1% back on physical debit swipes every month. Basically you can get up to 10 bucks a month from them, which is cool. However, there app is not very well organized, super duper slow with updating transactions, balances, etc. Also, they’re only open 9-5p via chat... if you tie up all your money in their app/account you could be screwed if something were to happen. They stopped accepting ACH payments, which most merchants that only accept ACH do it for a reason, they can only accept it that way... such as auto loans, credit card payments etc... Also, I’ve had a ‘pending’ charge being held against my balance since 11/9/18! I contacted the merchant they said they cancelled on their end and my bank should receive notification within 2-3 business days... it’s been 10 days. Not sure if that free ten bucks a month would be all worth it at this point.
  • Changed my life

    5
    By Marvin The Great 1
    Just waiting on my bank card been waiting for a long time.
  • No money Guru

    5
    By Qui Qui Qui
    This app helps me to know where my money is going and so much more. I would recommend to anybody.
  • Has potential but missing a lot of credit card companies

    2
    By TR.24
    Also can’t seem to find FaceID option. If it doesn’t exist, that’s not a good sign. Means the developers are behind.
  • 3 amigos

    5
    By sluggen
    Thanks migos
  • Excelente!

    5
    By PonchPR
    I had try so many different apps over the years to keep my budget in check but anything like this app. The app has helped me to be on top of my finances. The way it automatically check for balances verifying different bank accounts at the same time is amazing having everything on one place. I even use this app to keep my business budget up to date. This is an app the every person who really cares for their budget must have.
  • Great idea - Poor execution

    2
    By AJohn135
    This app is headed in the right direction in terms of what it offers to customers. Unfortunately there have been a number of bugs that prevent the app from syncing with some banks and providing accurate, up to date data. As such, at present the app is not functioning in a way that is useful to manage a financial portfolio on a day to day basis.
  • Helped me clearly see where I’m spending

    5
    By Ksteph11
    This has been such a helpful app! I’ve been able to see all of my accounts in one place and truly understand where I stand financially. Because of the app, I have increased my savings and kept a better eye on my investments.
  • Infrequent Updates

    2
    By MattMadd84
    I think the layout and organization of the app is decent however I take issue with the fact that my accounts are not regularly updated. This makes it near impossible to get an accurate profile of my accounts (what’s been paid, how much I owe, etc.). Most times I find myself going to an individual account’s website to get this information which defeats the purpose of having Empower in the first place. What’s worse is that there doesn’t seem to even be a means for manually refreshing account information as with some other apps I had so your only option is to delete the account and re-enter it again to get the updated info. It is really frustrating because this issue has persisted for months and nothings been done about to address or even acknowledge it for that matter. I don’t believe I will continue with Empower much longer as I feel there are better options available.
  • Great until AMEX account stopped working...

    1
    By Opivy2
    The app was great until my AMEX account randomly stopped pulling through transactions. The issue started at the beginning of September and still hasn’t been fixed. I’ve logged support requests and their responses are comical... They keep blaming the provider, but I have a hard time believing it’s AMEX, especially when it works in other similar apps. They have been focused too much on adding banking capabilities and away from the primary reason everyone uses the app. What makes the whole situation better is they keep emailing and messaging me to sign up for banking... There’s no chance I’m giving you my money when there’s issues I fixed for 2 months.

Comments

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