Upcoming service update:  

Starting June 18 at 9pm MT, we’ll be making updates to improve your experience and keep your account secure. Online services will be temporarily unavailable, and you may notice some minor issues on June 19 - 21.

Thanks for your patience as we work behind the scenes.

Emergency Fund

Your go-to for life’s curveballs

Be ready with cash, skip high-interest debt, and stay on track. 

Money when it matters most

You’ll receive a personalized emergency fund goal.

  • Build your back-up

    Get messages to keep you on track.

  • Skip debt and pay cash

    Draw from a savings account first — stay stable.

With cash savings, you’re equipped for challenges.

  • Open an Empower Personal Cash™ account to grow your fund.
  • Earn 3.00% APY, 7x more than an average bank.4
Person using phone with secure account and financial access illustration

Multilayered security and data privacy

Industry-standard encryption, multifactor authentication, and fraud protection help keep your assets and information safe.