Benefits & Features

Our Online Banking brings the latest in terms of technology, customization, features and security. Some of those benefits are:

  • Enhanced Security - login with a Username and Password. Utilize Touch ID to access Empower’s smartphone or tablet app. Two-Factor Authentication further protects your account.
  • Account View/ History - view up to 2 years of account history for all accounts that our records reflect you are primary and joint on.
  • Full Customization - use of themes, notifications, and settings.
  • Mobile Check Deposit - use a smartphone or tablet to take a picture of the check and submit for deposit.
  • External Transfer - transfer funds to and from accounts that are held at other financial institutions.
  • Quicken Compatibility - download your financial data from your online account.
  • My Credit - Get free and instant access to your credit score, credit report, credit monitoring, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.
and more
For first time login, you will simply need to follow the screen prompts that will assist you in establishing your new username and password.

It is important that we have your current email address and cell phone number, so we can send important messages. If we do not have your current contact information, call us at 800.462.5000.
  • View account balances and history
  • Transfer funds between accounts
  • Pay bills
  • Find an ATM or branch location
  • Access Rewards

Our online banking app puts managing your accounts at your fingertips 24/7.

Tip For Android: Search "Empower FCU"
Tip For Apple: Search for "Empower Federal Credit Union"

Empower App Icon

Download here:


Click to download the mac Empower app through the App Store Click to download the Empower Android App on Google Play


To access Rewards with the Mobile App:

  1. Login to the mobile app on your smart phone or tablet.
  2. Tap the more icon in the lower right corner. Select Accounts & Loans drop down.
  3. Select Rewards
Screenshot of rewards option in mobile app
  1. Select the account and tap the "Launch Application in Browser" button.
Screenshot of launch application in browser button
  1. Want to activate Pay with Rewards? Tap the menu icon in the upper left corner and select "Pay with Rewards" to begin using this easy way to redeem points.

eStatements Features

  • Receive your account statements quicker and more securely than by postal service
  • View, save and print (when necessary)
  • Reduce paper clutter and streamline your personal records

eNotices Features

eNotices FAQs

What is an eNotice?

An eNotice is an electronic copy of paper notices you have traditionally received by mail. eNotices are available through Online Banking. When you sign up to receive eNotices, you will no longer receive paper notices in the mail, though select notices may still arrive in the mail.

Are eNotices emailed to me?

No, to protect your information, we do not email the notice to you. We will send you an email to notify you that a new eNotice is ready for you to view in Online Banking. Once you have signed up for this electronic service, be sure to verify that we have the correct email address within Online Banking. There will also be a link within Online Banking notifying you that you have new eNotices waiting to be viewed.

How long will my eNotices appear in online banking?

You may open and read your eNotices any time. The Notice Alert will continue to display until you have read the notice. You may access previously viewed notices by selecting eNotices from the Green Service menu options. All notices will be available online for 180 days. To keep the list of notices manageable, they will automatically archive after a period of time. Click the "Show Hidden Notices" box to see your archived notices.

Is there a fee to receive eNotices?

No, eNotices are provided free of charge for your convenience.

Can I cancel eNotices and begin receiving paper notices again?

You may cancel eNotices at any time within Online Banking or by calling us at 800.462.5000.

Can I get both paper notices and an eNotice?

No, you may receive electronic OR paper notices.

  • Eliminate time spent traveling to a branch to deposit your checks
  • Use Direct Deposit to deposit money into your Checking account
  • Use Payroll Deduction to deposit a set amount of your paycheck into your Savings account or toward your Empower loans

Within Online Banking, you can use our no-cost Bill Pay service to pay your bills on a one-time basis or schedule recurring payments. Track your payments and set up due-date reminders so you avoid late bills and the associated penalties. Bill Pay streamlines your finances and helps you take care of tasks quicker.

  • Pay your bills by setting up a list of payees and scheduling payments
  • Review recent and scheduled transactions
  • Requires an Empower Checking account linked to the service
  • Add New Payees

Want to learn more about our most recent updates? View our most recent Enhancement Guide

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