To create an Empower Personal Cash account, simply select Banking then "Open an Account" and follow the prompts.
You can deposit and withdraw money from Empower Personal Cash by linking an external bank account to your Empower dashboard and funding from that linked external account.
Adding your first account in Empower
After linking the external bank account go to your Empower Personal Cash page on your dashboard and click the “Manage Account” drop down menu. From there you can click on “Transfer Funds” and initiate the transaction of your choice.