Demand deposit account.
Open an insured deposit account by verifying your identity in the MoCaFi app. Your credit or past banking history doesn’t matter with us. Start fresh with MoCaFi.
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After making one verified direct deposit to your account, you are eligible to receive direct deposits from that employer or benefits provider up to 2 days earlier² than scheduled.
No-fee cash withdrawals at any Allpoint™, Wells Fargo, or Citi ATM.
No-fee cash depositing on the VanillaDirect™ Network including
Rite-Aid, Walgreens, Dollar General, and Family Dollar.
SSN, Passport, or Foreign ID are all acceptable documented that we can use to verify your identity for an account.
Find your Biller our database or add new Billers manually and pay them from funds in your account at no cost.
Use the Bill Pay feature to pay Rent checks by mail and report the positive payment history to Equifax and TransUnion³.
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1 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.
2 Fees may be charged by a 3rd party provider of ATM services outside of the MoCaFi network. Review the MoCaFi Account Agreement for account fee details.
3 VanillaDirect is provided by InComm Financial Services, Inc., which is licensed as a Money Transmitter by the New York State Department of Financial Services.
4 Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.