Delete your Empower account through the app settings or by contacting support
Empower does not offer a self-service delete button in the app. To close your account, you must either request deletion through the in-app support feature or contact Empower's customer service team directly. The process takes a few days to complete, and Empower will ask you to confirm that you want to proceed before they remove your account.
Before you delete, make sure you have transferred any remaining balance to another bank account or payment method. Once your account is closed, you will lose access to your card, direct deposit setup, and any pending transactions. If you have scheduled bill payments or automatic transfers set up, cancel those first so they do not fail after deletion.
Key Takeaways
- Empower requires you to request account deletion through the app's support chat or by calling their customer service line — there is no delete button in settings.
- You must move any money in your Empower account to another bank account before deletion, since the account will be closed permanently.
- Cancel any scheduled payments, bill pay, or automatic transfers before requesting deletion to prevent failed transactions.
- The deletion process typically takes three to five business days after Empower confirms your request.
- Keep your final statements and transaction history before closing, since you will not be able to view them after the account is deleted.
How to delete through the Empower app
Open the Empower app and tap the menu icon (three horizontal lines) in the bottom right corner. Scroll down and select "Help" or "Contact Us." Choose the option to start a chat with support or call the customer service number listed on the screen.
When you reach support, tell them you want to close your account. They will ask you to confirm your identity and may ask why you are leaving. Answer their questions directly — this is a standard security step, not a sales pitch. Let them know you understand that deletion is permanent and that you have already moved your money out.
Support will send you a confirmation request, usually via email or through the app. You must respond to confirm that you want to proceed. Once you confirm, Empower will begin the deletion process. Do not delete the app from your phone until the process is complete, in case Empower needs to send you additional information.
How to delete by calling Empower directly
Find Empower's customer service phone number on the back of your card or in the app's Help section. Call during business hours and tell the representative that you want to close your account. They will verify your identity by asking for your name, the last four digits of your Social Security number, or other account details.
The representative will confirm that you have moved your balance and that you understand the account cannot be reopened. They will then process your deletion request. Ask them for a confirmation number or reference code so you have proof that you requested closure. Write this down or take a screenshot.
After you hang up, you should receive an email confirmation within one business day. If you do not hear back within 24 hours, call again and reference your confirmation number to check the status.
What to do before you delete
Log into your Empower account and check your current balance. If you have money in the account, transfer it to another bank account you own. You can do this by linking an external bank account in the app's transfer section or by requesting a check from Empower (which takes longer).
Go through your scheduled payments and bill pay settings. Cancel any automatic transfers, recurring bill payments, or direct deposits that are set to go to your Empower account. If you have direct deposit set up with an employer, update your banking information with them so your paycheck goes to your new account instead.
read or screenshot your recent transaction history and statements. Empower will delete all your account data once the closure is complete, so save anything you might need for taxes, budgeting, or record-keeping. Most people take a screenshot of the last three to six months of transactions.
What happens after you request deletion
Empower will send you a confirmation email within 24 hours. This email will include a link or instructions to confirm that you want to proceed. You must click this link or reply to confirm — if you do not respond, your deletion request may be cancelled.
Once you confirm, Empower will close your account within three to five business days. During this time, your card will stop working, and you will not be able to log into the app. Any pending transactions may still process, so check your other bank accounts to make sure transfers went through.
After the account is fully closed, you will not be able to recover it. If you change your mind, you will need to open a new Empower account from scratch, which means a new card number and a new setup process.
If you cannot reach Empower support
If the in-app chat is not responding or the phone line has a long wait, try reaching out through Empower's social media accounts. Many companies monitor their Twitter or Facebook pages and can direct you to the right department faster than the general support line.
You can also send a written request by mail if you have the address listed in your account documents or on Empower's website. Include your full name, account number, and a clear statement that you want to close your account. Send it certified mail so you have proof of delivery.
If Empower does not respond to your deletion request within two weeks, contact your state's banking regulator or the Consumer Financial Protection Bureau (CFPB). You can file a complaint with the CFPB online at consumerfinance.gov, and they will investigate on your behalf.
Frequently Asked Questions
Can I delete my Empower account if I still have money in it?
No. You must transfer your balance to another bank account before Empower will close your account. If you have a small balance that is difficult to move, contact support and ask if they can issue a check or process a final transfer for you.
What if I forgot my password and cannot log into the app?
Use the "Forgot Password" option on the login screen to reset it. If you do not have access to the email address you used to sign up, call Empower's customer service line and tell them you want to close your account. They can process the deletion without requiring you to log in.
Will closing my Empower account hurt my credit score?
No. Closing a bank account does not affect your credit score. Your credit is only impacted by loans, credit cards, and payment history — not by checking or savings accounts.
How long does it take to delete an Empower account?
The process usually takes three to five business days after you confirm your deletion request. You will not be able to use your card or log into the app during this time, but your account data is not when ready erased — it takes a few days for Empower's systems to fully close everything.
Can I reopen my Empower account after I delete it?
No. Once your account is deleted, it cannot be reopened. You would need to sign up for a new account, which means a new card number and a new setup process. Your old account data will not transfer over.