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Checking

Empower Federal Credit Union's personal checking account provides options and convenience when it comes to managing your daily finances. If you are looking for a simple checking account with no monthly fees, you'll find the perfect fit with Empower. Open yours today.

For new members, click “Become a Member” below, or for more information visit a local branch. 
  • No minimum balance requirements
  • No monthly fees, check-clearing charges or teller transaction fees
  • Access Online Banking and Bill Pay, along with eStatements
  • Unlimited surcharge-free ATM transactions at any Empower ATM
  • Access to Empower FCU Surcharge-Free Network - 55,000+ AllPoint ATMs Nationwide at Specific Retailers. (Costs at non-Empower FCU ATMs/networks can vary depending on the ATM owner.)
  • One complimentary box of Empower style checks when you use Direct Deposit or Payroll Deduction
  • Overdraft Protection available and Courtesy Pay may be applied at our discretion
  • Learn valuable checking account management tips from Balance to avoid overdraft charges

What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY, NC, SC and TN.

Empower Federal Credit Union rated 5-Stars by Bauer in 2023  Best Companies to work for New York 2023 Logo2023 Winner of Best Companies to Work for in New York State