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 respects and is committed to protecting the privacy of all cardholders. Your account is protected with multifactor authentication, Mastercard  ID Theft Protection™, Mastercard Zero Liability Protection1 for unauthorized purchases, and secure contactless card payment at in-person points of sale.


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.