We partner with cities across the country to foster financial inclusion, economic empowerment, and unity in our neighborhoods.

Sponsored incentive cards for swipe, tap, and online purchases

Incentive cards are funded solely by a sponsoring municipality or organization.

MoCaFi Immediate Response Cards are prepaid cards with contactless, swipe, and online PIN purchase capability.

The card sponsor has the right to restrict and/or reclaim funds loaded on the card subject to specific program rules.

Manage your card account in the app

Check your card balance and view each card transaction in real-time. Get real-time text notifications of each purchase.  Text message and data rates may apply.

Safe, secure, and private.

MoCaFi is committed to protecting the privacy of all cardholders.

Mastercard Zero Liability Protection for unauthorized purchases is included in your account.

Your account is also eligible for Mastercard ID Theft Protection™ at no cost. To enroll please visit


Download the MoCaFi IRC app
Tap Link Your Card on the app welcome screen
Follow prompt to activate your card

The MoCaFi Immediate Response Incentive Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.
1Conditions and exceptions may apply – see Cardholder Agreement. The MoCaFi Immediate Response Card 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.