The Path To Wealth Isn't Equal For All

Predatory financial services have extracted wealth from Black & Brown Americans for generations. Black Americans expect to earn up to $1 million less than white Americans over their lifetimes², are likely to live in neighborhoods where banks require up to 60% of their paycheck to be deposited without fees3, and spend 50% more on banking services³, and have a median household wealth that is 1/10 of the median white household4. We need new systems, new products, and new ways of thinking for Black & Brown folks to get a fair shot at wealth and prosperity.

We're BridgingThe Gap

FDIC insured accounts

Rental Payment Reporting to the Credit Bureaus5

Cash back rewards to support Black and Latinx owned small businesses


Lender-supported homeownership programs


City-based income relief programs

Open A MoCaFi Account In Minutes

We give you no-cost options to deposit funds, no-cost options to withdraw cash at Allpoint™ ATMs, and no-cost cash loads at VanillaDirect™ retailers.  We don’t check credit or banking history.  Approval is based on verifying your personal identity.

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Rental Payment Credit Boosts

MoCaFi Bill Pay lets you add Billers and issue checks to pay them from the app without logging into separate websites or writing physical checks. Rental Payments made by check to your Landlord are eligible to be reported to Equifax and TransUnion as a way to boost your credit score with positive payment history. Rent funds are immediately debited from your account and the check is mailed in 1 business day. New payment history is added to your credit profile in 30-45 days.

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Represent Black & Latinx Small Businesses

Earn up to 3% cashback on each purchase you make with a MoCaFi Represent Brand8. MoCaFi partners with small minority-owned businesses to offer our cardholders a chance to represent Black & Hispanic entrepreneurs with their dollar. Support the growth of Black and Brown entrepreneurs when you spend with your MoCaFi Debit Card.

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Level Up Your Wealth Plan

The Mobility Score9 uses your spending, savings, credit score, and personal development activity to assess how far you are from wealth, and what you need to do to get there. Our custom wealth planning technology can identify your current financial situation, provide a gameplan to level up your finances, and refer you to exclusive services to empower your path to wealth.

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One City Financial Infrastructure

We’re at a turning point for our country to invest in economic and social justice. Municipalities across the country are answering the call with funding to confront homelessness, economic inequality, small business displacement, and predatory financial services. MoCaFi is the financial infrastructure for many cities creating an equitable government.

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It's Time To Build

The MoCaFi Bank Account and MoCaFi Debit Card

Get banked, build credit and create wealth from the ground up.

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The MoCaFi Bank Account and the MoCaFi 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 MoCaFi Bank Account is marketed and administered by MoCaFi. MoCaFi is a Fintech partnering with Sunrise Banks N.A.

1 MoCaFi credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

2 The economic impact of closing the racial wealth gap, McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-economic-impact-of-closing-the-racial-wealth-gap

3 The case for accelerating financial inclusion in black communities. McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-case-for-accelerating-financial-inclusion-in-black-communities

4 The economic impact of closing the racial wealth gap, McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-economic-impact-of-closing-the-racial-wealth-gap

5 Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.

6 Faster funding claim is based on a comparison of our policy making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention may delay the availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instructions.

7 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 Account Agreement for details.

8 MoCaFi credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

9 Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.