ePhone Banking

It's amazing how much you can accomplish with one quick phone call.
No digital technology is needed to access Empower FCU accounts 24/7 and manage your money. Use your phone, your identifying information (Social Security number and Empower member and account numbers) and a basic understanding of our free, user-friendly system. 
Transaction options

  • Up-to-date account balances
  • Review payment history
  • Find out which checks have cleared
  • And more 

  • ePhone will guide you through the system to assist you in completing your transaction. It is important to know what account number(s) you need to access.
  • It's important to listen carefully to the prompts and know your account number(s).
  • The maximum withdrawal or transfer amount is $10,000 per transaction.
  • No decimal or dollar sign is needed when entering dollar amount (Example: $25.00 would be entered as 2500#).
  • If you enter your personal access code incorrectly three times, you will be locked out and will need to contact us.
  • For more detailed instructions, see our ePhone User Guide.

How to use ePhone

  1. Call 315.477.2200 or 800.462.5000
  2. Select the ePhone option from our main menu. Select 2 for the Spanish version of ePhone
Then, select: 

  1. Option 1 to sign into your account
  2. Option 2 to report a lost or stolen Mastercard
  3. Option 3 to verify funds for a credit union check

You will be prompted to enter one of the following to access your account:

Your account number or Social Security number 

  • To access all accounts associated with the individual assigned to the account number or Social Security number and personal access code entered
  • Do not use either of these two options if you need to access loan information 
Your member number

  • To access all accounts associated with the individual assigned to the member number and personal access code entered
  • Only member number may be used to access loan or credit card information at this time
Once you have entered your member, account or Social Security number, you will be prompted to enter your four-digit personal access code. At that point, you can enjoy all the conveniences of banking by phone.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Your life is on the go.
So is your banking.
  • View account balances and history
  • Transfer funds between accounts
  • Pay bills quickly and easily 
  • Find an ATM or branch location