How To OpenAn Account

Download MoCaFi from the App or Play Store.

Sign Up for a MoCaFi Bank Account.

Approval is based on verifying your personal identity.

No credit check or banking history required.

Spend Smart

Early Direct Deposit

Get paid up to 2 days before your scheduled payday with early direct deposit1.

No Fee ATM Access

Withdraw cash at no cost at any of the 55,000 Allpoint® ATMs in the United States.

No Fee Cash Deposit

Deposit cash at no cost at any store VanillaDirect™ Load store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar

Cash Approved Checks In The App

Cash your check to your MoCaFi Account on your mobile device with Ingo ™ Money2.

No Fee Money Transfers To MoCaFi Account Owners

Send and receive money between MoCaFi cardholders or another bank account in your name at no cost.

Contactless Payments At Point of Sale

Use the MoCaFi Debit Card to pay with Apple Pay® and Google Pay®.

It's Time To Build

The MoCaFi Bank Account and MoCaFi Debit Card

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

Get MoCaFi

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 financial technology company and not a bank.  Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Members FDIC.

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

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 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.