Between Empower accounts: Transfers between your Empower accounts are instant. 

With external institutions: While many transfers from external institutions to your Empower accounts are instant, they can take up to 4 business days to process. For example, if you initiate a transfer on Wednesday (before 4:00pm PT), then the money will be available by 9:00pm PT on Monday at the latest. Note that any transfer starting after 4:00pm PT will start processing on the following business day.

If you are experiencing a transfer that is taking longer than expected, please contact support in the app or at and we will be happy to help look into it!

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