Selected by Apple and Time as "New Apps We Love" and "Best Apps of the Year”, Empower helps nearly half a million Americans track all their money in one place, find savings, build wealth, and get out of debt. In addition to using Empower to manage your money, now do all of your banking from your phone without paying any fees. Empower banking offers 2.00% APY on savings and 1% cashback on debit card spend, with no fees and no minimums. Talk about a rewarding combo! HERE'S WHAT THE MEDIA HAS BEEN SAYING: * 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.” * Forbes: “The app will let you renegotiate big bills you didn't even realize you could reduce.” EMPOWER'S MONEY MANAGEMENT FEATURES INCLUDE: * See all of your accounts in one place—including bank, credit card, loan, retirement, crypto * Protect and boost your credit scores by monitoring your credit utilization * Have a pair of eyes on your money 24/7, alerting you of anything unusual * 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 * Build your savings by finding the highest interest savings accounts * 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 * Chat with a personal finance coach about your money questions IN ADDITION, EMPOWER'S BANKING FEATURES INCLUDE: * Mobile banking using state-of-the-art security in the palm of your hands * Checking account with 1% cash back on the first $1,000 of debit card spend each month * Savings account earning 2.00% APY * No fees * No minimum balance requirements * Free ATMs * FDIC insured up to $250,000 * Visa's Zero Liability Policy protects you against unauthorized purchases * Instant notifications of debit card transactions for enhanced security OUR APP'S 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. PLEASE NOTE: Annual Percentage Yield (APY) may change at any time, before or after account is opened. APY is as of November 16, 2018.