Empower Checking

Take charge with a checking account built for your digital-first life.

Checking designed for the way you bank today.

Banking should keep up with you, not the other way around. That’s why we created Empower Checking, a flexible, fee-free account built for a digital-first banking experience. Whether you’re paying bills, sending money, or keeping tabs on your budget, Empower Checking makes it easy to manage your money on your terms, wherever you are.


No branches to visit if you don’t want to. No hoops to jump through. Just simple, powerful banking for your modern lifestyle.

Why choose Empower Checking?

Perfect for anyone who prefers to bank on their phone or laptop—not in line.

  • No monthly service fees
  • No minimum balance
  • Unlimited digital transactions
  • Nationwide surcharge-free ATM access
  • Fully equipped for digital-first banking with online and mobile tools

Empower Checking Account

Banking freedom, your way.

We know your lifestyle and goals are unique. That’s why we designed our Brighter Checking account to adapt to your needs. Whether you’re looking to simplify your finances, save more with competitive rates, or open a joint checking account for you and a partner, Luminate Bank gives you brighter ways to bank.


Ready to get started? Talk with us today to explore the right checking account for you and your family.

*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.

All the tools you need.

Every Luminate checking account comes with modern features to make your life easier:

A black heart icon on a white background.

Online Banking

Access your money anywhere, anytime, with secure online banking.

Document with a dollar sign, representing financial or billing information.

Bill Pay

Pay bills online. No stamps, no hassle.

A hand holding a smartphone, taking a picture of a check.

Mobile Deposit

Deposit checks on the go with our mobile app.

A black and white warning sign: an exclamation point inside a triangle.

Alerts

Stay on top of your finances with customizable alerts sent straight to your phone or email.

Looking for a brighter way to bank? 

Open your Brighter Checking account today and see how easy personal banking can be.

Sunroom with two wicker chairs, blue walls, and wood floor. French doors lead to another room.

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