HomeBrowse ChargesFinancePERSONAL CAPITAL*

PERSONAL CAPITAL* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "PERSONAL CAPITAL*" charge is from Empower (Personal Capital). Empower personal finance tracking.

🌍 US✅ Community verified
Empower (Personal Capital)

Empower (Personal Capital)

Empower personal finance tracking.

PERSONAL CAPITAL*

Category

Finance

Avg. Charge

$0.00

Country

US

Billing Cycle

Free

Cancel At

personalcapital.com/account

Support

See website

Why does this charge appear?

Empower acquired Personal Capital in 2020 but continued billing users under the legacy "PERSONAL CAPITAL*" descriptor because the underlying payment processing infrastructure and merchant account registrations were originally set up under the Personal Capital brand before the acquisition. Since Empower personal finance tracking is a free service, you'll typically see a $0.00 authorization or verification charge tied to this descriptor, which is used to confirm a valid payment method on file rather than collect an actual fee. The asterisk in "PERSONAL CAPITAL*" is a standard truncation marker used by card networks to indicate additional identifying information follows, helping payment processors route and log transactions to the correct merchant account.

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What should you do?

1

Confirm Your Empower Account

Log in to your Empower Personal Capital account at personalcapital.com and check your subscription or premium service status to confirm the PERSONAL CAPITAL* charge matches any paid plan you enrolled in, such as their wealth management or advisory services.

2

Review the Charge Amount and Date

Cross-reference the charge amount and date on your bank statement with your Empower Personal Capital billing history. Navigate to your account settings at personalcapital.com/account to find your payment records and ensure the amount aligns with your current Empower plan.

3

Check for Empower Service Upgrades

Verify whether you recently upgraded to Empower Personal Capital's paid wealth management tier or signed up for a financial advisory service, as these premium offerings would generate a PERSONAL CAPITAL* charge distinct from their free budgeting tools.

4

Cancel If No Longer Needed

If you no longer wish to use Empower Personal Capital's paid services, visit personalcapital.com/account to manage or cancel your subscription and prevent future PERSONAL CAPITAL* charges from appearing on your bank statement.

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Is this charge fraudulent?

No, this is a legitimate charge from Empower (Personal Capital). However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

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