Sunrise Banks and Twin Cities-based nonprofit Prepare + Prosper have announced a multiyear plan to provide thousands of low-income families with an alternative to payday lenders and check-cashing operators. The Financial Access in Reach (FAIR) plan is aimed at providing "financially underserved" people with access to a checking, savings and small-loan program at a modest cost. "Collaborating with Prepare + Prosper on the FAIR Initiative is giving people the tools they need to improve their financial wellness," Sunrise CEO David Reiling said in a statement. "We're setting an example for many financial institutions to follow, and working to change the way they do business."