Cash Loads

Load cash to your MoCaFi account at major retailers at no cost.


WE KNOW HOW IT IS

Some jobs pay electronically, and others in cash. Don’t worry, MoCaFi has you covered on all angles.

MoCaFi cash loading is powered by InComm’s VanillaDirect technology platform. Just swipe your card at the register of participating retailers to instantly transfer cash to your accounts. There is no fee to load cash.

IT'S AN EVERYDAY STRUGGLE

Many of us don’t believe we can change our financial position. 40% of American adults don’t have enough savings to cover a $400 emergency2. But the path to financial mobility can be created with tools and resources on our smartphone. We just need to tap in.

MoCaFi Mobility Bank Account

SPEND SMART

With the MoCaFi Mobility Debit Mastercard®, access no charge ATM withdrawals3, options on how to load your funds, and make purchases everywhere Debit Mastercard is accepted.

When you open a MoCaFi account, your account number and routing number are immediately available for direct depositing approved payroll and government benefits checks.

Use the MoCaFi app to photo deposit approved checks using the Ingo™ Money Service integration4.

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Allpoint ATM Network

NO FEE ATMs

The MoCaFi Debit Card can be used at any of the 55,000 AllPoint Network ATMs to withdraw cash with no surcharge fee. Just look for the AllPoint logo or use the ATM locator in the MoCaFi app.

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Rent Reporting to Equifax and TransUnion

BUILD CREDIT

Use our Bill Pay feature to send check payments to your landlord and opt-in to report those payments to Equifax and TransUnion5.  In addition to monthly reporting, we can also submit a one-time report of up to 24 months of past rental payment history.

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VantageScore Tracker by Equifax

UNDERSTAND CREDIT

VantageScore Tracker by Equifax is a free tool to track the behavior of your credit profile over time6. VantageScore is growing as a rival to FICO for thin-credit file consumers with 12 billion scores provided to consumers and lenders between 2018 and 2019.

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MoCaFi Mobility Score

DO YOU

Get access to wealth building resources with points accumulated on your MoCaFi Mobility Score7.  Start out with access to financial coaching, credit education, and homeownership counseling.

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Get 10% off of each purchase with a MoCaFi Represent Rewards Partner8.

REPRESENT

When a storefront in your neighborhood is empty or an e-commerce brand we love shuts down its website, we lose the opportunity to invest in our community, represent our culture, and make a human connection. MoCaFi partners with small minority-owned businesses to offer our account holders discounts on everything from grooming to organic home goods. Support small businesses in our community when you buy with MoCaFi.

Spend smart.  Build credit.  Do you.

GET THE APP TO OPEN YOUR ACCOUNT

ABOUT MOCAFI

MoCaFi is an African-American owned fintech company that provides banking, credit building, and wealth coaching services for Americans living on the economic margins. Join the movement.

About MoCaFi

NEED TO TALK?

We’re here to help. If you have questions about your MoCaFi Mobility Bank Account, MoCaFi Debit Card, or MoCaFi app, reach out to a member of our Customer Concierge Team:

Purlife Spence at 646-853-5820, M-F from 9a EST to 4p EST,
or purelife.spence@mocafi.com

Matias Abrego at 551-226-1525, M-F from 9a EST to 4p EST,
or matias.abrego@mocafi.com

REPRESENT REWARDS BRANDS

Men’s Grooming

SCOTCHPORTER

Local Community

SHOPNEWARK

Home Goods

BLK+GRN

1 MoCaFi credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.
3 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.
4 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.
5 Rental Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.
6 VantageScore Tracker is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.
7 MoCaFi Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature
8 MoCaFi Represent Rewards is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.