ONE CITY

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 https://mastercardus.idprotectiononline.com/enrollment/embedded.html.

LINK AND ACTIVATE YOUR MOCAFI IMMEDIATE RESPONSE CARD

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

Frequently Asked Questions

MOCAFI IMMEDIATE RESPONSE INCENTIVE MASTERCARD FREQUENTLY ASKED QUESTIONS

MoCaFi Immediate Response Cards are prepaid cards funded solely by the sponsoring municipality or organization. The sponsoring municipality or organization has the right to restrict and/or reclaim funds loaded on the card subject to specific program rules. Please check with the card sponsor for details about specific funding programs.

Visit the App Store or Google Play® Store to download the MoCaFi IRC app. Link your card to the app and tap the “$” icon to see your balance and all recent transactions.

If your Card has been lost or stolen, or you believe that someone has made an unauthorized transaction with your Card, (or may attempt to use your Card without permission), or you believe an error has occurred with your Card, you agree to notify MoCaFi immediately at 1-800-342-7374 and in no event later than sixty (60) days of the date of the transaction at issue.

Withdraw cash without fees at any Allpoint ATM® and Wells Fargo ATM. Use the “Find ATM” feature in the MoCaFi IRC app to search for Allpoint ATMs in any zip code. Other fees, terms and conditions may apply. See Cardholder Agreement.

MoCaFi Immediate Response Cards cannot be used to report rent payments to the credit bureaus. This feature is only available in the MoCaFi app with a MoCaFi Bank Account. In the MoCaFi app, you can add your Landlord as a Biller, then pay and report rent to Equifax and TransUnion to build your credit profile.

Your card may be used everywhere Debit Mastercard is accepted. However, incentive cards are funded solely by a sponsoring municipality or organization. The card sponsor has the right to restrict and/or reclaim funds loaded on the card subject to specific program rules. To check program restrictions, please see your Cardholder Agreement.

No. Funds loaded to a MoCaFi Immediate Response Card cannot be transferred to a connected bank account. With a MoCaFi Bank Account, you can transfer funds to and from your external bank account.

No. There are no minimum balance requirements for the MoCaFi Bank Account.

Download the MoCaFi app from the App Store or Google Play Store. Once you’ve installed the app, tap “Sign Up” and follow the instructions for applying for a MoCaFi Bank Account.

MoCaFi respects and is committed to protecting the privacy of all cardholders. Your account is protected with multifactor authentication, Mastercard® ID Theft ProtectionTM1, Mastercard Zero Liability Protection 2 for unauthorized purchases, and secure contactless card payment at in-person points of sale.

Your Cardholder Agreement contains terms, conditions, and specific program rules associated with your card. You can find a link in the footer section of mocafi.com/irc. You can also find the Cardholder Agreement in the app by going to Profile, tapping ‘Legal’, then ‘Cardholder Agreement’. Check your Cardholder Agreement for any program restrictions.

Sunrise Banks, N.A., provides the banking services for the MoCaFi Immediate Response Incentive Mastercard.

Sign in to Payment methods.
At the bottom, click Add payment method.
Click Add credit or debit card.
Enter your card info.
If you’re asked to verify your payment method, choose an option from the list. Find and enter the verification code.

Open the Wallet app on your iPhone and tap the add button . Tap Continue, then tap Enter Card Details Manually
Enter your card information and tap Next.
Enter the requested information.

¹Mastercard ID Theft Protection provided by Generali Global Assistance, Inc.
²Conditions and exceptions apply. See Cardholder Agreement.
App Store and Apple Wallet are service marks of Apple Inc.
Google Pay and Google Play are trademarks of Google LLC.
Rental Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature. Bill Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature
The MoCaFi Immediate Response Card 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. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. The card may be used everywhere Debit Mastercard is accepted.

¹Mastercard ID Theft Protection provided by Generali Global Assistance, Inc.

²Conditions and exceptions apply. See Cardholder Agreement.
App Store and Apple Wallet are service marks of Apple Inc.
Google Pay and Google Play are trademarks of Google LLC.

Rental Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature. Bill Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature

The MoCaFi Immediate Response Card 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. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. The card may be used everywhere Debit Mastercard is accepted.

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.