Find the answers you need to the questions you have.
Looking for help? This is a great place to start. We've compiled the questions members ask most frequently so you can search them quickly for information. If you don't find what you need, please contact us.

Yes! Safe Deposit Boxes are available at select Empower branch locations. Use our Branch Locations page to find which branches have safe deposit boxes and come visit us today to rent one!

Please contact us at 800.462.5000 for availability/cost or ask a representative when visiting your local branch.

 

You may apply for an Empower Checking Account online, by visit your local Empower branch location  or call us at 800.462.5000 to request an application be sent through the mail.

Set up Direct Deposit of your payroll, government, or other recurring checks, into your Empower share draft checking or share savings account to make the most of your Empower financial system!

Not a member yet?

Joining is easy! Apply today and open your Share Savings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

Click here to learn more about membership eligibility.

Want to update your existing membership by applying for a loan or credit card? Click here.

A Check Protest, also known as a Certificate of Protest, is a formal document attesting to the fact that a check, drawn from a member account, has been presented for payment and returned unpaid.

Note: A Check Protest is required evidence used for criminal prosecution.

To protest a check, please do the following:

  • The payee, either by written request or personal appearance, presents the returned item to the Credit Union.
  • A $25 fee must accompany the request. The only accepted forms of fee payment are cash, money order or cashiers check.
  • For a mail request, please include your name, address and day time phone number.
  • Payee has the option to receive payment in lieu of Certificate of Protest if funds are available.
  • If funds are not available, a Certificate of Protest is issued to the payee and a copy mailed to the issuer.

 

For personal assistance, please visit us at one of our branch locations so we can further address this situation.

All branches have night drop facilities EXCEPT:

  • Fulton (West)
  • Green Hills Farms (Syracuse)
  • 300 Erie Blvd. (Syracuse)

Envelopes are removed in the morning and processed directly after.

Items placed in the box during the day will be processed on the next business day.

Empower Federal Credit Union participates in the Medallion Stamp Program (guarantee of a signature for the negotiation or transfer of securities).

Empower can also supply a Signature Validation:

This is a free service to our members, allowing validation up to $500,000 per transaction. All signers must sign in the presence of a Credit Union agent, provide current ID and be members in good standing. The signers must also be able to show proof of ownership (statement copy) and dollar value of the securities for the transaction to be completed.

  1. Transaction to be guaranteed must involve the sale, assignment, transfer, or redemption of a security.
  2. Not approved for use of the Medallion Stamp, the below items can, however, be verified with a Signature Validation stamp [limit $100,000.00]
    1. Administrative changes to a securities account, e.g. address changes, Beneficiary changes, Account number changes

      OR
    2. Account opening or enrollment, Wire authorizations, Check cashing, Auto loans, Direct Deposit forms, Transfer-In-Kind - IRA account manager change with no sale of securities involved

Not yet a member?

Apply today and open your Share Savings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

For your convenience, we have installed Self-serve Coin Counters in most of our branch locations.

What does this mean for you?

No more sorting and rolling coins! Simply go to your favorite branch, load your loose coins into the machine, and watch it count the coins for you! It's fun, it's fast, and its a great way to cash in all that loose change you've been collecting.

You may join Empower Federal Credit Union if you meet any of the following eligibility requirements:

  • You are employed by/or retired from any of our member companies.
  • You are a member of/or employed by any of our eligible associations or organizations.
  • You are an immediate family, or household member of an Empower Federal Credit Union member.
  • You live, work, worship, or attend school in an area included in one of Empower's neighbor areas.

Review our Eligibility Requirements page to learn more about joining the Empower Federal Credit Union family.

 

Before starting the application online, please have the following documents ready:

  • Social Security Number(s)
  • Date of Birth
  • Valid Driver's License, Passport, Non-Driver's State ID, Government or Military ID, with Photo and Signature (Benefit card not accepted)
  • A debit or credit card, or account number you wish to fund your new account

 

Ready to become a member?

Apply today and open your Share Savings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

At this time, Empower Federal Credit Union does not offer a foreign currency exchange service. We apologize for the inconvenience.

Planning a trip outside of the country?

You can use your Empower debit card or credit card while traveling internationally.  Other than the freedom to use your money anywhere you go, both cards offer global benefits to make your trip just a little easier.

Please contact and notify Empower Federal Credit Union at 315.477.2200 or 800.462.5000 or log into online banking Message Center to add a travel note to your account before using your card(s) outside of the country.

A minimum deposit of $1.00 is the requirement to open a share savings account and maintain membership at Empower Federal Credit Union.

Ready to become a member?

Apply today and open your Share Savings account with a $1.00 minimum deposit!

Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

Please review our Membership & Account Agreement for more information regarding our check hold policy. The length of time your checks are held depends on the method and amount of the deposit.

 

Find out instantly when your funds are available with our mobile app!

With mobile banking, you can view your account balances and history, transfer funds between accounts, pay bills and more...all at your fingertips 24/7. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

Please note, your username and password are created during the Online Banking enrollment process. Don't have Online Banking yet? Register today!

Yes, we do sell Money Orders at any Empower location. Please refer to our Fee Schedule for up-to-date detailed pricing.

 

A credit union is a member-owned, not-for-profit cooperative financial institution, owned and operated by its members. These members, who are united by a common bond of association, democratically operate the credit union under state and federal regulations.
 
There are more than 8,500 credit unions in the United States, serving more than 85 million members.
 

Credit Unions exist solely for the purpose of meeting the financial needs of their member-owners. To that end, credit unions not only provide outstanding personal service, but members may earn higher returns on their savings while paying lower rates for loans. Each year, credit unions consistently outshine banks and S&Ls in the area of consumer/member satisfaction.

 
Credit Unions are based on a one-member, one-vote structure, thus giving members the power to direct Credit Union policy in an effort to meet member needs. This structure is vastly different from the for-profit sector where stockholders vote according to the number of shares of stock they own. Their non-profit status enable Credit Unions to operate at a lower cost than many for-profit institutions and helps them to offer competitive loan and savings rates. For instance, Credit Unions usually charge lower interest on credit cards than most other providers, and many Credit Unions charge no annual card fee.
 

Credit union members receive many benefits including:

  • Fewer fees
  • Low loan rates
  • Potentially higher rates of return on savings accounts
  • Personal attention
  • Free financial education
  • And more!

Credit union members receive many benefits including:

  • Fewer fees
  • Low loan rates
  • Potentially higher rates of return on savings accounts
  • Personal attention
  • Free financial education
  • And more!

 

Ready to become a member?

Check our eligibility requirements and open your ShareSavings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

 

See also:

Yes, we have several notary publics on staff at our branch locations. We provide this service free of charge to Empower members and no appointment is necessary.

However, we suggest you call in advance to ensure a Notary will be available on the date and time you need one, and at the branch location you intend to visit.

Please bring a photo ID when you visit the branch for notary services.

Not yet a member?

Apply today and open your ShareSavings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

Yes, members of your immediate family including your:

  • Spouse
  • Children
  • Parents
  • Brothers
  • Sisters
  • Step-Children
  • Step-Parents
  • Grandchildren
  • Grandparents

Ready to become a member?

Apply today and open your ShareSavings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

See also:

You need one of the following pieces of identification:

  • Valid (non-expired) photo driver's/non-driver's license
  • Valid (non-expired) passport
  • Valid (non-expired) New York State identification card issued by the DMV
  • Government or military ID, preferably with a photo and signature (Benefit cards not accepted)
  • Trade license (taxi driver,  chauffeur) with a photo and signature

Ready to become a member?

Apply today and open your ShareSavings account with a $1.00 minimum deposit! Once you join, your membership is a lifetime relationship. Even if you change jobs, move, or retire.

See also:

The Credit Union is closed on the following holidays - signs are posted at our branch locations prior to the holiday:

  • New Year's Day
  • Martin Luther King Birthday
  • President's Day
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Eve
  • Christmas Day
  • New Year's Eve
  • New Year's Day

If one of the above listed holidays falls on a Friday we may be closed the following Saturday.
If one of the above listed holidays falls on a Monday we may be closed the preceding Saturday. View our Holiday Schedule for a current list of dates.

Did you know that you can access your account 24/7 using Online Banking?

Stay on top of expenses with free, round-the-clock access to your Empower Federal Credit Union accounts.

With Online Banking you can view your account history, make online transfers, access Bill Pay, eStatements...and more! All from the comfort of your own home.

Enroll today for access to all these convenient features and more. If you are already enrolled in online banking, log in now.

You may join Empower Federal Credit Union if you meet any of the following eligibility requirements:

  • Be employed by or retired from any of our Member Companies
  • Be an immediate family (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings and adoptive relationships) or household member (Persons living in the same residence and maintain a single economic unit. Includes any person who is a permanent member of and helps maintain the physical and or financial maintenance of the household.) of an Empower Federal Credit Union member.
  • Live, work, worship, or attend school in an area included in one of Empower's neighbor areas: City of Buffalo, City of Binghamton, City of Syracuse, Town of Geddes, City of Utica, Oswego County, Town of Cheektowaga, Town of Union, designated areas of Liverpool, Montgomery County, Village of New York Mills, City of Elmira (except census tract #5, West Elmira, and Big Flats), Village of Elmira Heights, Nedrow, and Village of Horseheads.
  • Eligibility restrictions apply based on NCUA guidelines as stated in the Empower Federal Credit Union Charter
 
 Click here to find out if you are eligible to join.
 
 
Ready to become a member?
Open your ShareSavings account with a $1.00 minimum deposit today!
 

Loan approval can take anywhere from a couple of hours to a week, depending on the dollar amount and complexity of the transaction. Loan approval is a multi-step process that starts with a loan application and ends with loan disbursement.

For more information please contact one of our Business Service and Lending team or visit us at one of our branch locations.

Ready to apply for a business loan?

Visit our Apply for a Business Loan page today and click the applicable blue-button whether if it's for an express loan (under $50,000) or greater than $50,000.

See also:

Yes, we can finance non-owner occupied rental properties, however, qualifications and restrictions apply.

For more information please contact the Credit Union for details. You can also call our Member Services department at 315-477-2200 or 1-800-462-5000 option 2.

 

There are many resources available to help you start your own business.

Here are a few:

    Yes, we offer business loans to fit your short and long term needs!

    We offer the following business loans:

    Start-up companies seeking a loan usually require a guarantee by the SBA (US Small Business Administration). The SBA has specific requirements that must be fulfilled by the borrower. These requirements can be researched at www.sba.gov.

    For more information contact our Business Services department at 315-477-2200.

    Ready to apply for a business loan?

    Visit our Apply for a Business Loan page today and click the applicable blue-button whether if it's for an express loan (under $50,000) or greater than $50,000.

    updated 11/29/2019

    To change payees in Bill Pay:

    1. Log in to Online Banking
    2. Go to the Quick Pay Tab
    3. Choose the payee you are looking to update the address on and confirm under the calendar the delivery method Standard Electronic or Standard Paper Check.
      1. If this states the payment will be going electronically this means that the current address and account number on this payee is correct and should not be changed.
      2. The address on your physical bill for this payee is for mailed-in payments only, and the address may not match what is displayed within your account if the electronic address is changed for any reason the address will be updated automatically.

    Access your account at your fingertips with Empower FCU Mobile Banking!

    Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

    • View account balances and history
    • Transfer funds between accounts
    • Pay bills
    • Find an ATM or branch location

    You may also need:

    When you first open your membership, a membership card containing your member number is sent to the address on file.  This should be retained for future reference.

    Your member number also appears in the upper right of your membership statement, also sent to you at the time of account opening.

    If neither of the above options is available, please call 315.477.2200 or 800.462.5000 select 2, then 1. A Call Center Representative will be able to identify you and provide you with this information.

    Don't have access to Online Banking?

    Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. Register today!

    You may also need:

    Security questions can only be changed by staff at the Credit Union. Call 315.477.2200 or 800.462.5000 option 2, then option 6  to connect to a Call Center Representative. A representative will then be able to make any requested changes.

    Your security is our priority!

    Your online security is a priority to us at Empower Federal Credit Union. We take fraud prevention seriously and want to help you protect your personal information, accounts, identity, and money. We constantly monitor new online threats and share this information with you on our Security Education form.

    You may also need:

    To change your email address in Online Banking:

    1. Log in to Online Banking
    2. Click on ""Communications Center""
    3. From the Communications Center click on ""Change Member Info""
    4. When the information box appears type in your new email address
    5. Click ""Submit"". 

    Keep track of your account activity while on the go!

    With our mobile banking app, you can manage your account at your fingertips 24/7 and track your account activity from anywhere. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

    Please note, your username and password are created during the Online Banking enrollment process.

    You may also need:

    There are a number of ways to access your accounts at Empower Federal Credit Union.

    Online

    Go to the Online Banking log in site found on the left-hand side of our home page, and input the credentials you established during enrollment.

    First time Online Banking Users:

    In-Person

    Visit one of our conveniently located branches, ATMs or Credit Union Service Centers and our team will be happy to help you.

    On the go with Mobile Banking!

    Our online banking app puts managing your accounts at your fingertips 24/7. For more information, please visti our Mobile Banking page.

    By Phone - Empower E-Phone

    E-Phone is 24-hour phone access to your Empower accounts. E-Phone allows you to obtain your Empower account information and perform account transactions anytime and anywhere you can access a touch-tone phone, 7 days a week, including holidays. E-Phone is quick, easy, and free! 

    Click here for E-Phone instructions. If you are not registered for E-Phone, please contact us by calling 315.477.2200 option 2 or 800.462.5000.

    You may also need:

    To change your name, you are required to complete a new Account Change Card signed by all members on the membership account. The form can be obtained at your local branch or by calling the Credit Union. 

    We will need proof of name change, ie: ID or marriage license. We will also order new plastics (debit/atm card, etc) and checks if requested.

    You can mail the completed paperwork to:

    Empower Federal Credit Union
    1 Member Way
    Syracuse, NY 13212

    Or bring the paperwork to an Empower branch location convenient to you.

    Please call us directly at 315.477.2200 or 800.462.5000 prompt 2 and then 6 with any questions.

    Access your account at your fingertips with Empower FCU Mobile Banking!

    Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

    • View account balances and history
    • Transfer funds between accounts
    • Pay bills
    • Find an ATM or branch location

    You may also need:

    Auto Registration

    Mobile users will be auto-registered for Mobile Banking during their first successful login. Auto registration takes place once you have done the following:

    1. Successfully log in via the Mobile Banking website or Mobile Banking app from your phone.
    2. Successfully answer one of your challenge response questions.

     

    Mobile Settings

    The user may change the Lock/ Unlock setting through a pc. If you do not want to have mobile banking available on your phone, please go to the web site and choose 'Lock Mobile Access'. By default, all users will have mobile services unlocked as of 11/13/2012.

    If you lose your phone, go to home banking, select Green Services/eStatements, Mobile Banking and choose ""Lock'. An alternative is to change the password associated with your home banking.

     

    Don't have access to Online Banking?

    Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. Register today!

     

    You may also need:

    If you have forgotten your online banking password: 

    1. Enter your username and click “Login” on our Homepage
    2. When prompted to enter your password, you can click on the ""Forgot Password?"" link found on the right side of the password field, above the “Log In” button. You will be taken to a page that will ask you to confirm your identity in order to reset your password.
    3. Follow the on-screen instructions to continue the process. If 'forgot password' option fails, call the Credit Union at 315.477.2200 or 1.800.462.5000 select prompt 2 then 6 to speak to a representative. 

    Know your password, but want to update it?

    1. You can change your Online Banking password by first logging into Online Banking with your current password.
    2. From the “settings” link found in the dropdown menu below your name, select the “Security” tab, and click “Edit” next to the “Password” field.  
    3. Enter your current password, and your new password, then confirm your new password and click “Save Changes”.

     

    Keep track of your account activity while on the go!

    With our mobile banking app, you can manage your account at your fingertips 24/7 and track your account activity from anywhere. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

    Please note, your username and password are created during the Online Banking enrollment process.

     

    You may also need:

    Yes, you can - cleared share draft/check images are available for three months. Deposited check images are not currently available.

    Follow steps below to access a check image:

    1. From the Account Center click on your checking account.
    2. From history, you'll see the words ""View Check"" next to your draft/check numbers.
    3. Clicking on ""View Check"" will open a separate window where the copy of the check will appear.
    4. If the check image doesn't open when you click on the check number, contact the Credit Union by calling 315.477.2200 or 1.800.462.5000 option 2, then option 16

    Don't have access to Online Banking?

    Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. Register today!

    You may also need:

    Yes, our export service allows you to download your account information in a file that is one of several possible formats. These formats are compatible with personal financial management (PFM) software packages. Please be sure to select a file format that is compatible with your PFM product.

    To export information, you must be signed into Home Banking. The Export button is located as part of the Account Access tab. After clicking the link, the form for exporting is available as well as an 'Export Help' link.

     

    Keep track of your account activity while on the go!

    With our mobile banking app, you can manage your account at your fingertips 24/7 and track your account activity from anywhere. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

     

    You may also need:

    To sign up for e-Statements log into Online Banking and go to the eDocs widget. The eDocs widget is where you will find eStatements, tax forms, and eNotices. If you have never signed up for eStatements it will say Subscription settings in Overview, change the delivery method from mail (envelope) to the electronic format (icon looks similar to a mobile device) and click save.

    Keep track of your account activity while on the go!

    With our mobile banking app, you can manage your account at your fingertips 24/7 and track your account activity from anywhere. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

    You may also need:

    If a ""non-sufficient funds"" condition exists, payment will be returned and a fee will be assessed.  Click here for a copy of the Fee Schedule. If payment is made through Empower bill payment, the payment will need to be rescheduled.  For further questions, please contact our Call Center at 315.477.2200 or 800.462.5000 select option 2 then 6.

    Keep track of your account activity while on the go!

    With our mobile banking app, you can manage your account at your fingertips 24/7 and track your account activity from anywhere. To register for Mobile Banking, simply download the Empower Mobile Banking App to your phone and follow the automatic, on-screen prompts to log in for the first time!

    You may also need:

    Empower members can use any convenient CU Service Center to conduct Empower Credit Union business. To find a CU Service Center nearest you click here.

     

    Access your accounts at any time with Online Banking!

    Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. Register today!

     

    You may also need:

    Shared branching is a cooperative network of credit unions that have joined together and created shared service centers across the country. By sharing facilities, Empower can offer greater convenience for members to access their accounts at many more locations just as if they were at Empower Federal Credit Union.

    Empower members can use any convenient CU service Center to conduct Empower Credit Union business. A CU Service Center will have a logo swirl designating its shared branching service. When you enter a CU Service Center you only need to bring your Empower member account number and a valid photo ID. At a CU Service Center, members can:

    • Make deposits & withdrawals
    • Make transfers between accounts
    • Check your account history
    • Receive a printout of your statement

    To find a CU Shared Service Center nearest you, click here.

    Please note: Deposits may require an extended hold.  Please call 800.462.5000 or 315.477.2200, option 2 then option 6 with any questions.

    Ready to become a member?

    Open your ShareSavings account with a $1.00 minimum deposit today!

    You may also need:

    Yes, EPhone is our automated response system.
     
    To sign up for EPhone contact us by calling 315.477.2200, or 800.462.5000 option 2, then option 6. You can also visit any of our branch locations for assistance or send us an email request by clicking here.
     
    On the home page of our web site, select the Personal tab. From the Account Access section, click on E-Phone, click on E-Phone Instruction to connect to the instruction sheet.
     
    To reach EPhone call 315.477.2200 or 800.462.5000 and press 1 from the main menu.

    You can visit one of our branches; or send us an email by logging into your Online Banking account and sending an email through the message center with the Subject ""Address update""

    If you have any questions, contact Empower Federal Credit Union directly at 315.477.2200 or 800.462.5000.

    Access your account at your fingertips with Empower FCU Mobile Banking!

    Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

    • View account balances and history
    • Transfer funds between accounts
    • Pay bills
    • Find an ATM or branch location

     

    You may also need:

    If the payment is electronic you must allow 3 business days to process. If the payment is by check, then you must allow up to 7-10 business days.
     

    Yes, Online Bill Payment is a free service that allows you to conveniently set-up electronic payments with many popular payees!

    You can sign up for Online Bill Payment by logging in to Online Banking and selecting the BillPay link found along the top of the page. Then follow the instructions. Within two business days, you'll receive a welcoming e-mail indicating that you may begin using your Bill Payment account.

     

    Don't have Online Banking yet?

    With Empower FCU Online Banking you can manage your Empower accounts whenever you wish, featuring all of the technology and easy-to-use tools you need to finish tasks quickly. Join us today!

     

    You may also need:

    The available balance is the balance in your savings account not including the $1 which is the required minimum balance to maintain membership.

    Your available balance in the checking is the balance in your account minus pending Debit authorizations that have not yet cleared and/or other held funds.

    .

     

       

      Yes, you can! Contact the Credit Union to request access by calling 315.477.2200 or 800.462.5000 option 2, then option 6. If you know the receiving account access code, choose option 1 for e-phone and follow prompts.

      Don't have Online Banking yet?

      Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. Register today!

      You may also need:

      For questions regarding Online or Mobile Banking and bill pay questions, contact the Credit Union directly by sending an e-mail once logged into your account online or by calling 315.477.2200 or 800.462.5000 option 2, then option 6.

      You may also find questions regarding Online or Mobile Banking by visiting our FAQs page.

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      You may also need:

      You may call 866.642.0450 to access the Interactive Voice Response (IVR) system 24/7. This makes it easy and convenient to activate your card(s). In order to activate over IVR, you will need the last 4 digits of the Primary account holder’s social security number. You can also call 800.462.5000, Press 6 for Activation. The representative will activate your card and/or change your pin.

      Learn more about Empower FCU Debit Mastercard and Credit Card.

      New to Empower FCU? Apply for membership now!

      Ready to get started with Empower FCU Online Banking? Join us today!

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      Credit Card Surcharging

      Rules apply to the ability of a merchant to surcharge when a customer uses a Credit Card (cannot be charged with prepaid or debit card use). 

      If a merchant chooses to charge the surcharge fee, that information must be prominently displayed in the store, at the register, and on your receipt. For online merchants, information must appear on the page listing credit card brands.
      State law will supersede a merchant's right to charge this fee. Some states currently prohibit the charging of this type of fee - New York State is one of them.

      For more information on our current rates and fees, click here!

      Considering applying for a credit card? 

      Explore our MasterCard options and apply for your new card today!

      You may also need:

      You may withdraw up to a maximum $500 in any one day if there are sufficient funds available in your account. If you need to withdraw more than $500, you can visit any Empower FCU branch and we will be happy to assist you!

      You may also need:

       

      Learn more about Empower FCU Debit MasterCard and Credit Cards.

       

      New to Empower Federal Credit Union? Apply for membership now!

       

      Ready to get started with Empower FCU Online Banking? Join us today!

       

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      Each cardholder may use the randomly selected PIN provided with the debit card or they may select their own PIN by calling 1.877.265.9594 to access the Interactive Voice Response (IVR) system 24/7. International cardholders should call 1.859.488.4130.

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      Due dates are always 25 days after the cycle date, regardless of the date, even if it's a holiday. For example, if your payment is due on January 1st and because of the holiday you don't pay until January 2nd, the next time your statement is run, you will be charged interest for not paying the balance in full by the due date.  There is no ""grace"" on credit card loans like other loans.

      However, you can pay your credit card bill automatically by setting up  Auto Pay in Empower FCU Online Banking!

      With Auto Pay your payments can be made from either your checking or savings account.  Auto Pay gives you the choice of 3 payment methods: minimum due, fixed amount, or pay in full.

      You are also welcome to send the credit card bill payment to our mailing address:

      Empower Federal Credit Union
      1 Member Way
      Syracuse, NY 13212

      Take your accounts on the go with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      You may also need:

      A fee may be charged if you opted-in to Debit Card Courtesy Pay, which allows for approval of a transaction when funds are not available.

      You may opt-out of Debit Card Courtesy Pay at any time by contacting our Call Center at 315.477.2200 or 800.462.5000, select 2, then select 6.

      You may also submit your request through the Communication Center on our web site, you must sign in to Online Banking for access to this service.

      You may also be assessed a fee if you have set up a recurring payment(s) against your debit card and posting the transaction draws your account negative, even if you have not opted into Debit Card Courtesy Pay.

      Ready to get started with Empower FCU Online Banking

      Join us today!

      You may also need:

      The maximum Credit Card limit is the same as our unsecured loan limit: $50,000.

      To increase your Credit Card limit you will need to apply for the increase. You may do this by using our online Loan Application (Click here to be directed to the application) or you may call 315.477.2200 or 800.462.5000 and apply over the phone, or stop by any of our branch locations to apply.

      Put an Empower Mastercard in your wallet and get spending flexibility that meets your needs at every turn without the hassle and fees. 

      To apply online or access an existing application within navigate to the “LOAN APPLY” widget within online banking.
      You may also call 800.462.5000 to apply.

       

      Haven’t signed up online banking yet?

      Save more time, simplify your life, and move on to more important things by using our easy-to-navigate Online Banking. It's the best way to know everything about your account activity at all times.

      Sign up today! Or, to learn more about the convenience of banking online, please refer to our Online Banking page.

       

      See also

      If you have a consumer Credit Card Loan with Empower FCU, you are automatically enrolled in our exciting Rewards Program. To find out information about your Rewards: Log into Online Banking and then click on the Rewards widget.

      If you do not have a consumer Credit Card Loan with Empower, now is a great time to apply! Click here to open our Loan Application.

      Learn more about Empower FCU Debit Mastercard and Credit Card.

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      You may also need:

      Yes, you can pay your credit card bill automatically by setting up Scheduled transfers in Empower FCU Online Banking!

      With Scheduled transfers, your payments can be made from either your checking or savings account. 

      The amount you choose to pay (whether in one payment or multiple payments) must at least equal the minimum payment due each month to avoid late payments and charges.

      Access your account at your fingertips with Empower FCU Mobile Banking

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

       

      You may also need:

      Each month you must pay a minimum payment amount. The minimum payment is calculated as the sum of the following items:

      • Any scheduled payment from a previous billing cycle which has not been paid(past due)
      • 2% of the New Balance as shown on your current billing statement
      • Any amount of the New Balance which exceeds your credit limit (over the limit)

      Note: If the sum of 1. and 2. is less than $10, a minimum of $10 will be due.

      However, if the New Balance shown on your monthly statement is less than $10, the entire New Balance will be due. If the minimum payment computed as above is not an even amount, the minimum payment due may be rounded to the next highest even amount. You may at any time pay more than the minimum amount due.

      Learn more about our Empower FCU Credit Cards.

       

      Ready to get started with Empower FCU Online Banking

      Join us today!

       

      You may also need:

      Empower offers Credit Cards, and Debit Cards. We no longer offer ATM cards.

      A debit card draws from money you have available in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account.

      A checking account is required for a Debit Card. Checking accounts are subject to approval. You can request a Debit Card by calling the Credit Union at 800.462.5000 or 315.477.2200 select option 2, then option 2 to reach our Member Services department.

      When you use a credit card, you are borrowing money from finite line of credit offered by a financial institution, depending on your credit limit. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.

      You can apply for our Credit Card on-line through your Online Banking or by calling the Credit Union at 800.462.5000 or 315.477.2200, option 3, then option 2. Our Credit Card has a superior rewards program.

      View the details on our Checking Account here.

      View details on our Credit Card here.

      See also:

       

      Empower FCU Credit and Debit cards can be used internationally.

      However, due to monitoring systems we have in place to prevent fraud, you must notify the Credit Union in advance of your trip to provide us with information regarding where you'll be going and how long you'll be gone.

      Empower FCU does not charge any international transaction fees. Purchases and cash advances made in foreign countries will be billed to you in US dollars.

      The conversion rate will be at:

      1. A rate selected by the Credit Card company from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the Credit Card company itself receives, or
      2. The government-mandated rate for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Credit Union.

      Learn more about Empower FCU Debit MasterCard and Credit Cards.

       

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

       

      You may also need:

      Transactions made at Empower-owned and operated ATMs are always free of charge.

      If you are not using an Empower ATM you are allotted 10 transactions per month free-of-charge. Transactions after 10 are charged at $2.00 per transaction. Surcharges may also apply. 

      For a list of our Credit Union’s most current fee listing please click here

      Empower ATMs:

      • Transaction fee - No transaction fee for Empower-issued Debit Cards
      • Surcharge Fee - No surcharge fee for Empower-issued Debit Cards
      • Transaction Fee - 10 free/month, then $2.00 each
      • Surcharge Fee - No surcharge fee for Empower-issued Debit Cards

      Other ATMs: Allpoint

      • Transaction Fee - 10 free/month then $2.00 each
      • Surcharge Fee - Non-Empower and non-Allpoint ATMs may assess a surcharge fee.
        The owners of the ATMs assess these fees.

      Don't have Online Banking yet?

      Using online banking you are able to access all of these electronic payment methods from your home in a safe and secure environment. Sign up today!

      You may also need:

      There is a $5 fee to replace either a Credit Card or Debit Card.

      To order a replacement debit or credit card, please call us directly at 315.477.2200 or 800.462.5000.

      For more assistance, please visit any Empower FCU location and we will be happy to help you!

      Has your card been lost or stolen?

      If your card got lost or stolen, you should contact us immediately by calling
      315.477.2200 or 800.462.5000 24 hours a day, 7 days a week. If you call after business hours, follow the prompts of the phone menu to report a lost or stolen card.

      Empower Security

      Your security is a priority to us at Empower Federal Credit Union! We take fraud prevention seriously and want to help you protect your personal information, accounts, identity, and money. Explore our Security Education forum to learn how you can take steps toward greater security today!

      You May Also Need:

      Only Empower ATMs can be deposited into, but we have Shared Service Centers that can be utilized for out of area deposits. 

      Click here to find the Shared Service Center nearest you.

      Funds will be made available in accordance with our Funds Availability Policy.

      Access your account at your fingertips with Empower FCU Mobile Banking!

      Now you don’t even have to visit any branch for simple transactions and checking your accounts. With the help of Mobile Banking you are able to:

      • View account balances and history
      • Transfer funds between accounts
      • Pay bills
      • Find an ATM or branch location

      You may also need:

       

      Yes, we offer a robust consumer credit card rewards program!

      Start using your Empower Mastercard® consumer credit card to earn points on purchases and redeem them online or in stores. Choose from an array of rewards – gift cards, travel – along with Pay with Rewards™, which allows you to pay with points anywhere Mastercard® is accepted.

      Click here to learn how you can earn and redeem points today! 

      Access your accounts 24/7 with Empower FCU Online Banking!

      Join us today!

      You may also need:

      If your card has been lost or stolen, you should contact us immediately by calling 315.477.2200 or 800.462.5000 anytime - 24 hours a day, 7 days a week.

      If you call after business hours, follow the prompts of the phone menu to report a lost or stolen card.

      You also can notify the Credit Union in writing:

      Empower Federal Credit Union
      1 Member Way
      Syracuse, NY 13212

      Empower Security

      Your security is a priority to us at Empower Federal Credit Union! We take fraud prevention seriously and want to help you protect your personal information, accounts, identity, and money. Explore our Security Education forum to learn how you can take steps toward greater security today!

      You may also need:

      You can mail your credit card payment directly to the Credit Union at the following address:

      • Empower Federal Credit Union
        1 Member Way
        Syracuse, NY 13212

      You can also pay your credit card bill automatically by setting up Auto Pay in Empower FCU Online Banking!

      With Auto Pay, your payments can be made from either your checking or savings account.  Auto Pay gives you the choice of 3 payment methods: minimum due, fixed amount, or pay in full.

       

      Ready to get started with Empower FCU Online Banking? 

      Join us today!

       

      You may also need: