GET PAID BEFORE YOUR SCHEDULED PAYDAY WITH EARLY DIRECT DEPOSIT

Get paid up to 2 days earlier than your regularly scheduled pay date with early direct deposit2.

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NO FEE DOMESTIC CASH WITHDRAWALS

The MoCaFi Debit Card can be used at any of the 55,000 AllPoint Network ATMs to withdraw cash with no surcharge fee. Just look for the AllPoint logo or use the ATM locator in the MoCaFi app.

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NO FEE DEPOSIT OF CASH TO YOUR ACCOUNT

Load cash to your MoCaFi account in real-time at any VanillaDirect retailer without paying a fee.  Just swipe your card at the register, hand the attendant your cash, and it shows up on your MoCaFi account balance in real-time.

NO FEE DEPOSIT OF APPROVED CHECK FUNDS

With our Ingo™ Money integration, use your MoCaFi account information to deposit funds from approved checks3.  Just open Ingo from the MoCaFi app and snap a photo of the front and back of your check.

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SAFETY, SECURITY, AND PRIVACY ARE A MUST

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 Protection4 for unauthorized purchases, and secure contactless card payment at in-person points of sale.

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IT'S A NEW DAY

Mobile banking, credit building, and wealth empowerment in one app.5

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The MoCaFi Mobility Debit Mastercard 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 Account Agreement.
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
2 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.
3 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.
4 Conditions and exceptions may apply – see Cardholder Agreement.
5 MoCaFi credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.