Emmi Just Got Smarter: How Empower FCU’s Virtual Assistant Makes Banking Simpler
Managing your money doesn’t always happen during business hours. Questions come up in the evening, on weekends, or when you don’t have time for a phone conversation. That’s where Emmi comes in.
Emmi is Empower FCU’s 24/7 virtual assistant, and recent updates have expanded what she can do. With improved security, Emmi now helps members access account information and complete common banking tasks quickly.
If you prefer to handle simple banking tasks yourself, Emmi provides a reliable option that you can access from your phone. Anytime, anywhere.
Meet Emmi: Your 24/7 virtual banking assistant
Emmi is a virtual assistant available anytime, day or night across several Empower FCU channels. You can get help from Emmi through the Empower FCU website, inside your online banking account, and when you call the credit union.
Emmi’s role is straightforward. She handles routine banking needs so you can get answers fast and move on with your day. Whether it’s checking an account balance or transferring funds, Emmi offers a convenient self-service option for routine banking tasks. Emmi is especially helpful if you want quick answers, rely on phone banking, or don't use full online access for simple requests.
What’s new with Emmi: A smarter, more capable virtual banking assistant
Recent enhancements have added new capabilities to how Emmi supports members. Emmi can securely authenticate members, access real-time account details, and complete transactions within Empower FCU accounts. She also understands longer, more natural sentences and can stay on track even with background noise or interruptions.
These upgrades make Emmi more reliable and easier to use, especially if you prefer to handle simple tasks by phone. The improvements also help reduce confusion during calls, making responses clearer and interactions more consistent.
How Emmi’s secure phone authentication works
Security is a priority at Empower FCU. Emmi uses secure phone authentication to help protect your information during the call. Simply follow a few steps to confirm your identity before viewing account details or completing transactions.
- Call Empower FCU: Call Empower FCU’s main phone number and choose the option to use Emmi, the virtual assistant.
- Say “Check balance, make a transfer, or transaction history”: You’ll be offered our authenticated system.
- Enter your member number: When prompted, enter your member number so the system knows which account to reference.
- Receive a verification code: Emmi sends a one-time six-digit verification code to the mobile phone number Empower FCU has on file for you. If your phone number is different than the one on file or is a landline, you can always be connected to a live agent during business hours for assistance.
- Verify your identity: Enter the code during the call to confirm your identity and complete the authentication step.
This process adds a layer of protection for Empower FCU members. Once your identity is confirmed, Emmi can help you access your account details, answer questions, or perform select banking tasks. You can also request to speak to a representative at any time during your call with Emmi.
Security limits are in place to help protect your account from unauthorized access. After five unsuccessful attempts to enter the verification code, your access to Emmi is temporarily locked. The lock lasts ten minutes, after which you can try the verification process again. If you are still unable to complete the call, follow the instructions provided by Emmi or contact Empower FCU for assistance.
What members can do with Emmi
Once authenticated, you can use Emmi to handle a range of everyday banking needs, including:
- Check account balances
- Review recent transactions
- Transfer funds between your Empower FCU accounts, loans, and lines of credit
- Get answers to common account questions
These features allow you to handle routine requests on your own without speaking with a representative.
Members have more control with Emmi
The latest Emmi upgrades give you more control over how and when you handle basic banking tasks. Many common requests can be completed in a single call, on your own schedule.
Once you are authenticated, you can check balances, review recent transactions, move money between eligible Empower FCU accounts, and get quick answers to account questions. Emmi lets you take care of these tasks without logging in on a computer or visiting a branch, which is especially helpful when you just need a simple update or change.
Phone access is just one option for using Emmi. You can also connect with her on the Empower FCU website and through your digital banking account. Start an online chat with Emmi to ask basic questions or get directed to the right tools. The same improvements that help Emmi understand phone requests also support clearer answers when you use her online.
What members need to know before using Emmi
There’s no special setup required to start using Emmi. Call Empower FCU and follow the prompts to get started right away.
To save time, gather your personal information before you call. Emmi will ask for your member number and then send a verification code to the mobile phone number Empower FCU has on file for you. Make sure your contact information is up to date so you receive the code on the right device. You can update your details through your online banking account or at a local branch.
Emmi is one of several digital banking tools available through Empower Federal Credit Union. Online banking lets you check balances, transfer funds, pay bills, and see recent activity without calling or visiting a branch. Digital wallets simplify paying with your cards at checkout, and online financial calculators help you plan future money decisions. Mobile check deposit, account alerts, and credit monitoring give you more practical ways to stay on top of your accounts. You can deposit checks from your phone, get notified about important activity, and review your credit score and report from the same place you manage your money.
If you are new to digital banking, start with one simple task such as checking a balance or reviewing a recent transaction. For additional help, Empower FCU staff can answer questions about using digital banking.