“With more than 40,000 legal barriers to banking, employment, education and more, we experienced first-hand these basic human rights violations and witnessed how daily for millions of Americans who have been impacted by the criminal legal system experience the same. We wanted to create a solution that is a critical necessity for our community. Equity and access to financial education, products and services that matter. Our lived experience is our expertise. We are built for the community by the community. Just that simple.”
– Dr. Topeka K. Sam
FRSH Chief Visionary Officer and co-founder
FRSH is 100% focused on giving the justice-impacted community access to the best banking products and services no matter your background. FRSH is removing the roadblocks built by decades of systemic discrimination and minimizing as many fees as possible to make it more affordable to live in today’s electronic society. Why would we do this? FRSH is built by the justice-impacted community for the justice-impacted community.
Our community struggles with valid forms of ID, little to no upfront capital, accumulated debt, inactive accounts at large banking institutions, and other barriers of entry, and remain unbanked or heavily reliant on predatory lenders or check cashing facilities.
FRSH solves this by eliminating all barriers to entry for the formerly incarcerated and gives access back to the community.
One of the main determining factors in returning citizens successfully re-entering society is whether or not they can establish financial stability.
The justice-impacted community deserves the chance at economic mobility and stable, prosperous futures for themselves and their families.
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The MyFRSH Mastercard is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. This card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of these cards constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.
*Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Approval is contingent upon passing this mandatory identification confirmation.
***The MyFRSH Mastercard is marketed and administered by FiCentive. FiCentive is a financial technology company and 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
BY USING THIS CARD YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. The FRSH Prepaid Mastercard is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank ©2014. Card program marketed and administered by myFRSH, LLC (FRSH) and Juice Financial.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third-party program managers or service providers to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
*While there is no monthly fee, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Juice Prepaid Mastercard Cardholder Agreement for a list of all fees that apply.
**Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC insured institution. While there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details. FDIC insurance does not protect your funds in the event of myFRSH, LLC (FRSH) OR Juice Financial’s failure or from the
risk of theft or fraud.