ZERO-FEE DEPOSIT
ACCOUNT. CREDIT
CHECK NOT REQUIRED.
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.
WE GOT YOU
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 Bill Pay to pay Rent checks by mail. Rent Bills can be reported to Equifax and TransUnion as a way to boost your credit score with positive payment history3.
App Store is a service mark of Apple Inc. Google Play® and Google Play®
logo are trademarks of Google LLC.
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.
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