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Frequently Asked Questions

    About Respect icon

    About Respect®

    Why is this called "Respect"?

    Respect® is a registered trademark of YWCA Metropolitan Chicago, and was developed as a cause marketing brand to promote women’s empowerment across various consumer products in 2015. The Respect Bank Account and Respect Debit Mastercard® were launched in 2021.

    The YWCA’s mission is to eliminate racism, empower women, and promote peace, justice, freedom and dignity for all. But, before there can be peace, justice, freedom and dignity for all, there needs to be one thing: Respect.

    The Respect Account is designed to help people become banked, build or repair credit when needed, and empower them by providing important financial services while offering unique benefits to support empowering behaviors.

    Is Respect just for women?

    Not at all – Respect is for people of all gender identities: all who are new to bank accounts, all who want easier fee-free check cashing without having to visit a bank, and all who want rent payments to help build credit.3 Respect is for anyone who may want a convenient way to pay utility and other bills, all who want the convenience of direct deposit, and all who want to support women’s empowerment through their day-to-day purchases.

    How does using the Respect Bank Account and Respect Debit Card benefit women’s empowerment?

    Respect accountholders benefit from financial education resources on topics such as credit repair, home ownership counseling and financial coaching, as well as reporting of rent payments to credit bureaus. At no additional cost to cardholders, a portion of the interchange fees on eligible Respect Debit Card transactions supports the work of women’s empowerment organizations like YWCA Metropolitan Chicago.

    Respect aligns with consumer trends, which overwhelmingly call for brands to engage in social and political issues. Respect can disrupt the rapidly evolving payment technology industry by creating multiple levels of impact and redefining/reinventing “rewards.”

    I see mention of MoCaFi and YWCA Metropolitan Chicago. Who are they?

    MoCaFi (Mobility Capital Finance Inc.) was founded in 2016 by Wole Coaxum as a digital banking platform with the mission to bridge the economic mobility gap by targeting more than 50 million unbanked and underbanked people in the U.S.. MoCaFi has an agenda: to design and implement the blueprint for an integrative financial ecosystem that will empower black households and businesses in America to move from dependence to independence over the next ten years. MoCaFi has been featured by The New York Times, ABC, CNBC, Barron’s, Fortune, Mastercard Newsroom, Code-M, and Positive Community. Learn more at

    Founded in 1876, YWCA Metropolitan Chicago is a social enterprise committed to eliminating racism, empowering women, and promoting peace, justice, freedom and dignity for all. A leader amongst a national network of more than 200 local YWCAs across the United States, the organization embraces finance as a tool for social change. Impacting tens of thousands of women and families annually through comprehensive human services provided across the region, YWCA Metropolitan Chicago is a leading service provider in the areas of: sexual violence support services, early childhood and child care provider services, youth development and STEM programming, family support services, economic empowerment services, and workplace solutions. Learn more at

    I work for an organization or municipality whose constituents could benefit from the Respect Bank Account and Respect Debit Card. Can we partner to promote it?

    Yes, please! The Respect Bank Account was launched with exactly this sort of use case in mind. The mission of promoting financial empowerment can only be accomplished through partnership, especially with organizations that understand the role that a tool such as the Respect Bank Account and Respect Debit Card can play in helping communities thrive. We have a toolkit available to help partners in promoting Respect to their constituents. If interested in learning more, please reach out to us at

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    Application Process

    Where can I get a Respect Bank Account and Respect Debit Card?

    Download the Respect Bank Account app from Google Play® or the App Store.

    When you download the app for the first time you will be asked to Sign up.

    From there you will follow the onscreen prompts to open a Respect Bank Account.

    Once your account has been approved, you will be prompted to have your Respect Debit Card sent to you by mail. In the meantime, you can load funds into your account or arrange for direct deposit, all within the Respect Account app. Once funds are loaded in your account, you can access your card information through the app and begin making online transactions.

    What is required in the application process?

    Accepted forms of identification are: Drivers License, State Issued ID, Foreign Passport, Consulate ID, Other Government Issued International Documentation, Passport, Visa, Travel Document/Permit.

    Is there a minimum age to get a Respect Bank Account and Respect Debit Card?

    Yes. The minimum age to apply is 18 and minimum age for a teen account linked to another account is 13.

    Is proof of U.S. citizenship required to apply for the Respect Bank Account?

    There are no citizenship requirements in order to apply.

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    Account Features

    What are the unique benefits or key features of the Respect Bank Account and Respect Debit Card?

    • No credit check or banking history required for approval.
    • Get access to direct deposit funds up to two days earlier7 than your scheduled pay date.
    • No fees to enroll, direct deposit, move money from a linked bank account, load approved checks via photo capture in the app, pay bills, or withdraw cash from Allpoint™ or Wells Fargo ATMs in the US.
    • Deposit funds from approved checks or conveniently load cash at major retailers like 7-Eleven, CVS, Family Dollar, Dollar General and Rite Aid.
    • Manage recurring expenses and share money with other Respect account holders at no cost.
    • Account owners can opt in to have their electronic rental payments reported to Equifax and TransUnion to help build and repair credit.
    • Access to financial education, pre-purchase counseling from Certified Housing Counselors, and other support.
    • Mobile banking app provides comprehensive retail banking experience from a smartphone.
    • Up to 3% cash back at REPRESENT minority-owned small businesses.8
    • Discounts from national brand partners like Amazon and Universal Studios.
    • A portion of the merchant interchange fees will go to YWCA Metropolitan Chicago to support their comprehensive work with women and families – at no expense to the account holder.
    How do I avoid ATM fees?

    Your Respect Debit Card can be used at any of the 55,000 AllPoint® Network ATMs to withdraw cash with no surcharge fee. Look for the AllPoint logo or use the ATM locator inside the MoCaFi app to find one near you. When using an ATM outside of the AllPoint Network, the banks charge a withdrawal fee and MoCaFi automatically charges $1.98 for that usage. Respect Debit cardholders can also withdraw cash at any Wells Fargo ATMs without incurring surcharge fees. Look for ATMs branded with the Wells Fargo logo.

    Why should I use the Mobility Score?

    The Mobility Score measures and rewards positive financial health. We use your activity in the Respect Account app to assess money management, financial literacy, and financial planning activities. As you engage in activities in the app, your score will increase. Your individual Mobility Score unlocks new services and resources in the app. For example, you may unlock access to personal financial coaching, housing counseling, credit score counseling, and more once you attain a certain score.

    How does Rent Reporting work?

    Use our Bill Pay feature to send check payments to your landlord and opt-in to report those payments to Equifax and TransUnion. Positive rent payment history can help boost your credit score.

    In addition to monthly reporting, we can also submit a one-time report of up to 24 months of past rental payment history. If you have proof of consecutive rental payments, we recommend reporting those first by contacting our Rent Payment Team:

    Purelife Spence
    M-F from 9am to 4pm EST
    (646) 853-5820

    Matias Abrego
    M-F from 9am to 4pm EST
    (551) 226-1525

    Once you’ve reported your payment history, then head to the Money tab in the Respect® Bank Account app. Select Pay Bills. Follow the steps to add a Biller. Use the Bill Pay feature to pay your rent each month.

    Support icon

    Support: Debit Card & Mobile App Use

    How do I activate my Respect Debit Card?

    Call the toll-free number on the back of your card. There are also instruction on the card carrier you received with your card.

    Where can I use my Respect Debit Card?

    Your Respect Debit Mastercard® can be used anywhere Mastercard is accepted, including retail and online merchants.

    How do I set up direct deposit, and is there a cost?

    Setting up direct deposit is easy: Head to the Profile tab. Select Account Info from the list. Make note of your account and routing numbers for setting up your direct deposit.

    Check with your employer’s payroll office as you may be able to set up your direct deposit through an online portal. If not: Download a direct deposit form on the MoCaFi website. Provide the form to your employer’s payroll office. In order to complete the direct deposit form, you’ll need to know: your Respect account and ABA routing numbers, your employer’s name and address. You do not need a voided check to set up direct deposit.

    There is no charge for weekly or monthly direct deposits.

    Where do I find my ABA routing and account numbers?

    After your application is confirmed, you will receive your Respect Debit Card via USPS mail. You will also receive a separate letter that will have your account and ABA routing numbers.

    Once you activate the card, the routing and account numbers can be found in your Respect Account app if you need it again for quick access: Go to your Profile tab and select Account Info from the list.

    Where can I find my account activity and purchase history?

    Check your Respect Account app to confirm past history or balances. You may also call the 1-800 number that is printed on the back of your card.

    How do I cash checks?

    You can use the Ingo™ Money integration in the Respect Account app to deposit approved paper checks at no cost.

    Head to the Money tab in the Respect Account app. Select Load Check.

    Read the Ingo™ Money Service terms and follow the on screen prompts.

    You’ll be asked to provide some basic personal information and to Accept/Decline the Privacy Policy.

    Next, select Deposit Check Funds and follow the instructions to make a deposit. It may take up to 2 business days for the funds to be available.

    Why is my deposit on hold?

    It is possible that the bank has placed a restriction or delay in receiving funds on the account for the following reasons:

    • A deposit is for an out of state or out of country check.
    • There is suspected fraudulent activity associated with the card.

    If your account is on hold for more than 2-3 business days, contact the 1-800 number for assistance.

    Can I withdraw cash from my Respect Bank Account?

    Yes. A cash withdrawal can be completed at any in-network ATM or bank branch teller branch that accepts Mastercard®. In-network ATMs include Allpoint and Vanilla reloading locations, for example CVS and Walmart.

    Can I deposit cash into my Respect Bank Account?

    You can use the VanillaDirect Load™ Cash9 integration to add cash to your Respect Bank Account at no cost.

    Currently Respect cardholders can deposit cash, at no cost, at any Dollar General or Family Dollar location.

    Head to the Money tab in the Respect Account app. Select Load Cash to find a location near you where you can deposit cash.

    Once in the store where you plan to make your cash deposit, a cashier will swipe your Respect Debit Card to identify your account, then credit your account with the amount of cash you deposit at the register.

    Is a PIN required to use my card?

    Yes, a unique PIN number is required. You can change the original PIN on the mobile application, if desired.

    Can I transfer funds from my bank account to another person?

    Yes, and at no charge. You can transfer funds based on phone number and you can link your account with Venmo, PayPal or Cashapp.

    After logging in, select the dollar sign icon at the bottom of the screen. Enter the name of the individual to whom you would like to transfer funds, then select the name. Enter the dollar amount to transfer and select ‘Confirm.’

    Can I use my existing bank account with the Respect Bank Account?

    Yes, you can link your other bank account(s) to your Respect Bank Account.

    After logging in, select the dollar sign icon at the bottom of the screen and head to the Move Money tab. Select Connect Bank Account on the following screen and follow the prompts to select your bank from the list and enter your credentials to complete the set up.

    Is there a mobile version of my card?

    Yes! You can download a digital version of your Respect Debit Card into your mobile wallet.

    Does my card expire?

    Yes, your card expiration date is printed on the card.

    How much money is in my account and where can I check my balance?

    You can find your account balance in your Respect Account app.

    What happens if I spend over my limit? Is there overdraft protection?

    You are not permitted to overdraw your account. It is expected that you, as the responsible cardholder, will fund the card within 48 hours. If you don’t fund the card, the card will remain with a negative balance and will not be usable. After 60 days, the account will be closed if it is not funded for the overage – and you will remain responsible for the overage.

    How can I make cash deposits to my card? Can I deposit a check remotely?

    You can reload the card at Mastercard® rePower locations and in-network Allpoint ATMs. 

    You can deposit a check through the mobile application using the Echeck function.

    How do I deposit my paychecks weekly from multiple sources? How long does it take to appear in my account as available to use?

    You can take a picture of any check using the Echeck function on the Respect Account app. It may take up-to 2 days for the funds to be available depending upon the source of the check being out of state.

    If there is a gap of time, for example, if several months go by and I don’t use the
card, will my card still work?

    Yes. Your card remains active until it expires regardless of usage. Your card will not accumulate any unused funds. A $5.95 inactivity fee applies after 12 months. Email and/or text notifications will be sent prior to your account reaching that status.

    Can I get a duplicate card?

    Yes. You can order a duplicate in the Respect Account app.

    Do you offer sub cards?

    Yes. You can apply for an additional card for a family member on the mobile application.

    Will merchants ask for picture or employee ID to accept my card?

    Yes, it is possible that you may be asked for your ID at the discretion of any merchant.

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    Shipping & Delivery

    Where can I ship a card?

    Cards can be delivered to one address, which can be different from the billing address provided at the time you are applying for the card.

    How long does it take for a card to be delivered?

    3-5 business days.

    How long does it take to activate a digital card?

    24-48 hours.

    When will I know my card is on its way? Can I opt into account alerts?

    You will get a screen confirmation when you apply for the card; if you provide an email address and opt to receive messages and alerts, we can send you a notification that your card is ready for shipment and or other activity associated with your account activity.

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    Lost, Stolen or Damaged Cards

    If the card is damaged can it be replaced?

    Yes it can be. Your card can be deactivated and a new card issued to you by contacting MoCaFi via the 1-800 number or report it lost or damaged in the Respect Account app.

    What do I do if my card is lost or stolen?

    If your card has been lost or stolen, or you believe that someone has made an unauthorized transaction with your card, (or may attempt to use your card without permission), or you believe an error has occurred with your card, you agree to notify MoCaFi IMMEDIATELY at 1-800-342-7374 and notify us within sixty (60) days after the statement was made available to you.

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    Educational Resources

    Where can I learn more about financial literacy?