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 CashTM account to grow your fund.
  • Earn 3.75% APY, 8x more than an average bank.4

The Empower Dashboard™ gives me a full picture of where I am financially without having to log in to all my accounts. It definitely makes my financial life clearer and easier.

Benjamin D.*

Multilayered security and data privacy

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