💸
Instant Transfers
Send & receive money in seconds with ACH, RTP, and Zelle® integrations.
FDIC‑insured accounts 256‑bit TLS
New York banking. Rebuilt for the internet.
Open an account in minutes, send money instantly, and manage your cash with powerful tools designed for life in NYC — and anywhere you go.
Instant transfers
Virtual cards
24/7 support
Personal Checking
$12,380.41
Spending this month
Trusted by 250k+ New Yorkers and growing
🗽 NYC‑first
🔐 SOC 2 Type II
💳 Visa & Mastercard
📱 iOS & Android
Everything you expect — and more
From day‑to‑day banking to business accounts, Empire Bank keeps your money moving.
🛡️
Advanced Security
Passkeys, biometric login, device trust, real‑time fraud detection, and 24/7 monitoring.
📊
Smart Insights
Auto‑categorization, budgets, and tax‑ready exports keep you in control.
🌍
Global Ready
Fee‑free international payments up to $2,000/month and competitive FX thereafter.
🏦
Business Banking
LLC & startup accounts, approvals in hours, and tools for payroll and invoices.
💳
Virtual & Metal Cards
Issue one‑time cards for online purchases or flex with a premium metal card.
Security built like a fortress
- ✔End‑to‑end TLS, data encryption at rest (AES‑256), and tokenized card numbers.
- ✔Passkeys & biometrics with device binding and risk‑based authentication.
- ✔Real‑time anomaly detection, transaction limits, and location‑aware alerts.
- ✔FDIC insurance up to applicable limits through partner banks.
"Empire’s alerts caught a cloned card within seconds. Zero hassle, zero loss."
— Aisha R., Brooklyn
Simple, transparent pricing
No surprise fees. Ever.
Personal
Everyday checking for New Yorkers
$0/mo
- ✔ No monthly fees
- ✔ Free ATM network
- ✔ Instant transfers
POPULAR
Plus
Priority support & perks
$9/mo
- ✔ Smart insights
- ✔ Virtual cards
- ✔ Higher limits
Business
For LLCs & startups
$19/mo
- ✔ Multi‑user access
- ✔ Invoices & payroll
- ✔ Priority onboarding
Your bank, in your pocket
Manage cards, freeze instantly, and move money with a tap. Our app is built for speed and clarity.
FAQs
Are accounts FDIC‑insured? ＋
Yes — deposits are insured up to the applicable limits through our FDIC‑member partner banks.
How fast is onboarding? ＋
Most customers are approved in minutes. Business accounts typically within 1–2 business days.
Do you support international transfers? ＋
Yes. We support SWIFT and local rails in 30+ countries with competitive FX.
Open your Empire account today
Join 250k+ New Yorkers who bank better. It takes less than 5 minutes.