Getting started

To get started, simply go to Transfer → More Actions → Add Account → External account or from Settings*, select [+Link an External Account] on the Accounts tab.

*To locate settings, click the arrow that appears next to your name in the top right corner of your screen within online banking.

When adding a financial institution for the first time, confirmation is required. Two micro deposits (credit) will be sent to your external financial institution. A withdrawal (debit) will be made from your external account in the same amount as the credits. You will be required to enter the two credit amounts deposited to confirm your account**. These transactions generally take 2- 3 business days to process.

**After confirming the account there may be a delay in the availability of the new account within the Transfers tab.

External accounts are added from one of two places: The Transfer Tab → More Actions by selecting Add Account → External account:

Screenshot of step 1 of adding an external account

Screenshot of step 2 of adding an external account

The Accounts tab under Settings by selecting Link an External Account → Add an account to transfer money → External account:

Screenshot of adding external account from settings

The Member will need to have the account type (Savings, checking), Routing Number, and Account Number.

Screenshot of Account Details screen  

The Member will also be prompted with an additional Multi Factor Authentication security screen.

screenshot of 2FA prompt
After completing these steps, the following message will display:

Screenshot of Confirming Accounts Instructions

Once the request to add an external account is submitted, two ACH micro-deposits (credits) and a corresponding debit (for the total of the credits) will be made into that account.

A message is displayed on the Dashboard when there are pending external accounts: 

screenshot of pending external accounts alert

External accounts also appear in the Member’s Account tab → Settings:

Screenshot of ACH Account on account tab

The external accounts will show one of the following statuses:
  • Pending - Pending confirmation of trial deposits
  • Open - Trial deposits have been confirmed
  • Suspended – Member has unsuccessfully tried to confirm micro-deposit amounts too many times or not confirmed within timeframe
  • Blocked - Blocked from using a particular routing number/ account number combination
From here, the Member can confirm, edit, or delete the account. To confirm the account, the Member enters the dollar amounts of the two ACH micro-deposits made into the receiving account.

Once the Member selects confirm, they will need to enter the Trial Deposit amounts:
Screenshots of confirming trial deposits

Once confirmed, external accounts will appear in the transfer widget.

Edit the color and nickname of the external ACH accounts on the Account tab under Settings. This screen also allows user to specify if the account is to be hidden from display.

screenshot of edit account details screen
Once confirmed, external account(s) will appear in the account lists under the Transfer Tab → From Account and To Account fields. External accounts can be used just like normal checking and savings accounts to transfer funds and to make internal or external loan payments. Transferring funds from one external account to another external account is not allowed.

Scheduled ACH transfer requests appear in the Scheduled tab of the Transfers widget.

screenshot of a scheduled transfer
Q. How much can I transfer?


Consumer Online Banking Limits:

Daily    Weekly   Monthly
$2,000 $10,000 $10,000

Business Online Banking Limits:

Daily    Weekly   Monthly
$25,000  $100,000  $100,000 


Q. Are there fees associated with the transfer?

A. No, Empower does not charge a fee to process an external transfer.

Q.What are the cut-off times for processing a transfer and/ or to cancel?

A. The cut-off time for a standard External Transfer is 12:00pm on business days, Monday through Friday. After this time, all transfers will be processed and cannot be cancelled. When sending an External Transfer, if you are after the cut-off time – expect one additional business day for delivery.

Q. What accounts can be accessed for external transfers?

A. At this time, only Savings and Checking type accounts can be set up.  The following accounts are not accessible for external transfers:

  • Individual Retirement Accounts (IRAs)

  • Custodial and/or Trust Accounts

  • Share Certificate

  • Loan Accounts

At this time, external transfers being sent to another institution cannot be originated from an Empower loan account. However, the member can transfer funds from an account at another institution into a loan account at Empower.

Other restrictions may apply. Transactions are subject to Reg D.

Q. Can I transfer funds internationally?

A. No, you can only transfer funds to and from accounts within the U.S.

Q. So how does it work?

A. Instead of using paper checks, ACH (Automated Clearing House) entries are created and transmitted electronically, making transactions quicker, safer, and easier. Empower submits the transactions to the ACH network to transfer funds between the accounts specified. The ACH then securely completes the transaction.

Q. How will I know when an External Transfer is complete?

A. Login to Online Banking to view account activity and verify the transaction is complete.

Q. How long does the sign-up process take?

A. The sign up process is immediate. Initial set-up of an external account will typically take 2-3 business days.

Q. What are micro-deposits? And how do I confirm?

A. When adding an account from another financial institution, we must confirm ownership of the account. To do that, we will send two small credit deposits to your other institution’s account and request that they send us a corresponding debit, or withdrawal from your account, in the same amount. Once you see the deposits in your external account, you will need to login to Online Banking to verify the micro deposits.

To verify the micro-deposits:

  • Expect to see the micro-deposits within 2-3 business days

  • Log into your source account to review the deposit amounts made. Write down the amounts for reference.

  • You will receive a message on your Empower Online Banking Dashboard asking you to confirm. If you enter the micro-deposit amounts and they match our records, the account will be enabled for External Transfers.

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