More defeating than empowering. This is a Finance tech company NOT a bank or financial institution. The app relies on partners like a bank. It's like Chime, Dave and others. Empower partners with apps that don't recognize or support my employer. My main pay is Social Security. Empower translates that as if I'm employed by SSA and uses a verification partner to have me login to my employee account! Nonsense. The want a fee for this? No thanks