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Account Agreement
MoCaFi Privacy Policy
Sunrise Bank Privacy Policy
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Contact Us

P. 1.800.342.7374
E. support@mocafi.com

1 Washington Place, Newark, NJ 07102
215 W. 125th Street, New York, NY 10027

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About the Respect Bank Account

The Respect Debit Mastercard is supported by MoCaFi and YWCA Metropolitan Chicago. MoCaFi is an African-American owned fintech company that provides banking, credit building, and wealth coaching services for Americans living on the economic margins. Their mission is to put 10M individuals on a path to wealth. YWCA Metropolitan Chicago is a non-profit, social enterprise on a mission to eliminate racism, empower women and promote peace, justice, freedom and dignity for all.

Important Disclosures

The Respect brand is a registered trademark of YWCA Metropolitan Chicago. The Respect Bank Account and the Respect Debit Mastercard are issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Account Agreement. The Respect Bank Account is marketed and administered by MoCaFi. MoCaFi is a Fintech partnering with Sunrise Banks N.A.

Credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.
The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.
The Rental Payment Reporting and VantageScore by Equifax features are not Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse these features.
Results may vary depending on the user’s specific credit profile. Tenants who are more than 30 days past due will be reported to the credit bureaus for non-payment. Tenants with inconsistent reporting may see a decrease in their credit score.
The Mobility Score is not a Sunrise Banks N.A. product or service, nor does Sunrise Banks N.A. endorse this feature.
Respect Wealth Coaching Sessions are provided by a MoCaFi counselor or service partner. Your session is based on the information provided by you to your MoCaFi counselor or service provider related to your financial needs and objectives. Your session is intended to provide only broad, general guidelines which may be helpful in assessing and making decisions about financial products and services which may be available to you (such as securities, insurance, lending, banking services, credit reporting, etc.) and that may help meet your needs and objectives. Your session may also contain general educational topics about investing and financial matters. It is most important that you understand that your actual experience will differ from the discussions held during your session. That is why you should reassess your financial needs and objections with updated data and assumptions on a regular basis. The discussions provided during your session are not intended to be investment advice or a projection of future investment performance. Discussions provided during your session are not a projection of the potential return of any investment, nor are they a projection of future inflation rates or the state of the world or domestic economy. You should seek the guidance from a financial or investment professional before proceeding with any investment decisions. Any illustrations provided during your session do not contain income tax calculations and legal concepts. The discussions provided during your session do not constitute tax or legal advice.
Timing of direct deposit availability is dependent on certain conditions such as payer schedule.
The Represent Rewards Program is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.
VanillaDirect is provided by InComm Financial Services, Inc., which is licensed as a Money Transmitter by the New York State Department of Financial Services.

No liability is assumed by MoCaFi or the service partners resulting from the use of the information contained in any financial illustrations. You are solely responsible for any financial decisions you make. MOCAFI MAKES NO WARRANTY AS TO THE RESULTS THAT YOU MAY OBTAIN FROM YOUR SESSION WITH A MOCAFI COUNSELOR OR SERVICE PROVIDER AND ANY INFORMATION OR ADVICE YOU RECEIVE. MOCAFI WILL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR NOT, WHICH MAY RESULT FROM YOUR SESSION WITH A MOCAFI COUNSELOR OR SERVICE PROVIDER. MoCaFi respects your privacy and will maintain the confidentiality of any information you provide to a MoCaFi counselor in accordance with the MoCaFi Privacy Policy available on the MoCaFi website at MoCaFi.com.

Google Play is a trademark of Google LLC.

Apple, the Apple logo and the App Store^® are trademarks of Apple Inc., registered in the U.S. and other countries.

© 2023 YWCA Metropolitan Chicago, a registered 501(c)(3). EIN 36-2179765.

It’s Your Money.
We Respect That.

Check out the Respect Account app at one of the links below. There’s no fee to sign up, and no fee to cancel your account if it doesn’t work out. Though we’re sure you’ll love Respect :)

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The website you are about to visit is an external third party website that is not administered by YWCA Metropolitan Chicago. The site's privacy policy may differ from ours. Sunrise Banks does not endorse or guarantee the products, information, or recommendations provided in linked sites and Sunrise Banks is not liable for any failure of products or services advertised on the sites. Sunrise Banks Privacy Policy does not apply to linked websites; the viewer should consult the privacy disclosures on that site for further information.
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