Empower Routing Number: Fintech Banking Guide

What is the Empower routing number?

Empower uses routing number 091017997, issued through its banking partner Sutton Bank. Sutton Bank is the FDIC-insured institution that provides deposit accounts, debit cards, and payment processing for Empower customers.

Empower is a fintech app that combines banking, budgeting, and cash advance features. The checking account, known as Empower Checking, provides users with a routing and account number for receiving deposits and making payments.

How to find your Empower routing number

Open the Empower app and navigate to your checking account. Tap "Account Details" or "Direct Deposit Info" to view your routing number (091017997) and your personal account number.

Empower also provides a downloadable direct deposit form within the app. This form pre-fills your routing number and account number so you can easily share it with your employer.

Empower direct deposit and early pay

Empower supports direct deposit and offers early access to paychecks — up to two days before the scheduled pay date. This feature works automatically when your employer sends payroll through ACH.

To activate direct deposit, provide your employer with routing number 091017997 and your Empower account number. Empower also accepts government benefit payments and tax refund deposits.

Empower transfers and limitations

Empower supports ACH transfers between your Empower checking account and linked external bank accounts. Standard ACH transfers take one to three business days to complete.

Wire transfers are not available through Empower. The platform is built around ACH-based transactions, instant transfers via debit card, and peer-to-peer payments within the app.

Business banking with Slash

Empower is built for individuals who want budgeting tools and cash advance features. For businesses, Slash provides a dedicated banking platform with ACH and wire transfer support, unlimited virtual cards, and automated expense management.

While Empower helps consumers manage personal finances, Slash delivers the banking infrastructure businesses need — including multi-entity support, real-time transaction monitoring, and native accounting integrations.