See if FAIR might be right for you.

Bank anywhere, anytime, with accounts that can offer you more support and control over your money.

We listened to what would work for you, and we built it.

We listened to 150 community members talk about what they wanted in their accounts—predictable fees, no overdraft, control over your money, a way to build your credit—and used what they said. FAIR accounts are built with the consumer at the core, no matter income size, how often or when you get paid, or your banking history.⁵ Spend less time worrying and more time focusing on your future.

Our accounts can help you get to where you’re going.

Spend
Save
Grow

Checking

Get more control over your money by monitoring your spending with online and mobile banking. Set up alerts³ to track what’s coming in and going out.

Savings

Save with the flexibility and ease. You can set up an auto-transfer from FAIR Checking to your savings to build a cushion. With no monthly minimum balance requirement, you can use the funds as you need them.

Credit Builder

Set yourself up for success in the future by working toward a strong credit score. Treat yourself like a bill with the FAIR Credit Builder. On-time, monthly payments demonstrates positive payment history to the credit bureaus, which can help you build your credit.

Checking

With no account overdraft and no monthly minimum balance requirement, experience less fees and keep more of your money. FAIR Checking, take the money you used to spend on fees and save for your future.

Savings

Save for emergencies or a goal, at your own pace. No monthly minimum balance requirement gives you the freedom to save a little or a lot, and to draw down when times are tight. You can set up auto-transfer from your checking to make saving a habit.

Credit Builder

Work on saving while you work on improving your credit. It’s almost like a savings plan that builds credit. It’s a loan that’s deposited and held in a CD. After making on-time, monthly payments for 18 months, you’ve established positive payment credit history and you receive $500 plus CD interest minus fees.^1,4

Checking

Know how much and where your money is going. Use online and mobile banking to manage your account. Spend more time working toward your goals and less time managing the day-to-day.

Savings

Save for the long haul. Setting some aside, even a small amount, adds up over time. $2.75 a day turns into a little over $1,000 after just one year.

Credit Builder

Strong credit for a strong future. Good credit scores can unlock possibilities—the better your credit score the more likely you’ll be to get a lower interest rate on car loans or mortgages, or lower insurance rates.

Our accounts can help you get to where you’re going.

Checking

No account overdraft fees … ever.

A FAIR Checking account can give you more control over your money. No account overdraft fees and no monthly minimum balance requirement.

Monthly maintenance fee¹	$3.00*
No overdraft fees	$0.00
Required monthly minimum balance	$0.00
Minimum amount to open the account	$25.00

*Prepare + Prosper will be covering the $3 monthly maintenance fee from June 2022 until December 2025.

Savings

No balance too small.

Between paying bills and stretching your paycheck it can be challenging to make ends meet, much less put extra money away. Start small with FAIR Savings.

Monthly maintenance fee¹	$0.00
Required monthly minimum balance	$0.00
Minimum amount to open the account	$25.00

Credit Builder

Stronger credit shouldn’t be a struggle.

Work to build your credit while building your savings at the same time. There is no credit score requirement.2

Loan amount locked into CD	$500.00
Monthly payment (for 18 months)	$31.00
APR on loan⁴	15%

Frequently asked questions

The basics.

FAIR is the next effort by Prepare + Prosper and its partners to help low- to moderate-income people achieve financial health and wealth. Partnering with Sunrise Banks, N.A., Member FDIC, Prepare + Prosper worked hand-in-hand with consumers to build the FAIR Financial Solution, designed to meet people where they are at. Our goal is financial inclusion for all.

FAIR is for anyone looking for an affordable banking solution. Especially for those who:

Want clear and simple fees and features
Are looking for a banking solution built with and for consumers who are financially underserved
Desire an alternative to check cashers, money orders, and other expensive services
Are looking for ways to build their credit history

There are a few requirements, though. To apply for an account, you’ll need:

Name, Social Security number, date of birth, and residential address
A current valid form of primary identification such as driver’s license, state-issued ID card, passport, military ID, or Tribal ID
No prior record of financial fraud

When we set out to build FAIR, we asked 150 community members who are un- or under-banked what they wanted and needed in their accounts. The result was a set of products (checking, savings, credit builder) that work together to offer more control with less fees. The checking and savings account don’t require a monthly minimum balance. No account overdraft on checking. View a full fee schedule.

FAIR is a program of Prepare + Prosper and is a nonprofit organization and is not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC.

Using FAIR accounts.

FAIR makes it possible for you to bank anywhere, anytime. Our “branchless” banking solves for a lack of locations in your neighborhood or hours that don’t work for your schedule. Instead, you can do your banking from your computer, tablet, or phone—when it works for you—via our app or online banking site.

You may only use the funds available in your FAIR checking and savings accounts. Generally, transactions that are greater than your balance will be declined. As a result, you won’t receive any account overdraft or non-sufficient funds fees.

Your FAIR Mastercard® debit card can be used to access cash from your account everywhere Debit Mastercard is accepted. You can do this at any of the eight Sunrise Banks ATM’s or one of the many store locations that offer cash back at point of sale for no extra.

Through mobile and online banking you can set up a variety of text and/or email alerts to keep you up to date on what is happening with your money. We’ll set walk you through what you need when you sign up.³

You can deposit checks into your account through your mobile device. Simply go the FAIR app and take a photo of the paper check with your device. You can also set up direct deposit by providing your account number and routing number to your employer or benefit provider. Or, if you prefer, you can visit a Sunrise Banks branch.

No, you do not need a smart phone. But we believe you’ll get a lot more out of your FAIR accounts with the mobile app. The mobile app is required to use mobile banking, as well as the Mobile Deposit feature. However, it is possible to access all other features through online banking.

We’re what you expect from a bank…

Secure online and mobile banking.

View your accounts, transfer money, deposit checks, view statements, and set up alerts³–in one convenient place.

Get support – any time.

Get 24-7 automated service through Telebank or live customer support Monday through Friday 9-5 p.m. and Saturday 9 a.m.-noon.

FDIC insured.

But we’re meeting you where you’re at.

Branchless banking.

Bank anywhere, anytime with FAIR. Our online and mobile banking lets you view your accounts and statements and transfer money from your mobile device or computer. You can deposit funds from approved checks via Mobile Deposit. With your FAIR Debit Mastercard® you can complete surcharge free ATM withdrawals at any of the eight Sunrise Banks ATMs or obtain cash back while making point of sale purchases.

Coaching for your accounts and your goals.

When you enroll, we’ll walk you through each account. We’ll make sure you understand how they work and how they can support you in reaching your goals. Sign up for alerts3 and tips that’ll help keep you on track and making progress.

Did we miss anything?

Check out our FAQ for other answers you might be looking for.

But we’re meeting you where you’re at.

Sign up for FAIR today – click “Get FAIR now” to schedule a virtual enrollment or check out our Events page to find an in-person event near you!

Get FAIR Now Events