Smartphone displaying a bank account balance and a physical debit card in front

MoCaFi Immediate Response Incentive Mastercard®

Immediate Response Cards (IRCs) funded by government agencies to help residents in urgent financial need.

AppStoreDownloads

One City

Underbanked recipients of government funding get immediate
access to make payments and view their fund balances.

Smartphone screen displaying a scheduled payment confirmation of $10 to a streaming subscription, with a party popper icon above the text.

No Fee
ATMs

Withdraw cash at no cost at any of the 69,300 fee-free ATMs in the United State

Mobile phone screen displaying the Allpoint ATM locator app interface. It shows the option to enter a zip code and a button labeled Find a location.

Bill
Pay

Pay bills from the app by issuing checks issued to anyone. ACH payments sent to 125,000+ merchants in our catalogue.

Smartphone screen displaying a banking app interface with options for viewing cards, paying bills, finding ATMs, and activating cards.

Financial Education

Access financial literacy and community empowerment content in the app, blog, and other campaigns.
A close-up of a patterned debit card displaying a chip, contactless symbol, geometric logo, and text Immediate Response Community Incentive Program with Mastercard logo.

Contactless Payment

Use the MoCaFi IRC Card to pay with Apple Pay® and Google Pay®.
Account Services menu with options: Lock Card, Replace Card, Financial Statement. Each has an icon: lock, card replacement, document.

Features to Help
You Take Control

Account services like Lock Card, Replace Card and Financial Statement help you manage your account right in the app
Smartphone displaying a bank account balance and a physical debit card in front

Get Started 
Today

Learn more about the MoCaFi Immediate Response Mastercard and how we can help you deliver critical resources.

AppStoreDownloads
The MoCaFi Immediate Response Incentive Mastercard® is 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. This card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.
The MoCaFi Immediate Response Incentive Mastercard® 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 in the case of a failure by Sunrise Banks N.A., Member FDIC.
1 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.