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- Individuals
- Financial Tools
- Emergency Fund
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.
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Build your back-up
Get messages to keep you on track.
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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.*
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See how your portfolio performs. Understand your risk level and where your money is invested.
Budgeting & Cash Flow
Long-term goals start with small money habits. Daily monitoring and expense tracking will help keep you on track.
Net Worth
When you know where you stand, you can leave the spreadsheets behind and enjoy the rewards of your hard work.
Transactions Review
Know where your money is going by automatically categorizing your spending.
Debt Paydown
See everything you owe in one place as you track your progress as you pay down debt.

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