MoCaFi understands your City’s goal to deliver a municipal ID program that appeals to all residents’ needs; especially the vulnerable low-wage earners, homeless, veterans, elderly and those returning from incarceration—regardless of immigrant status. These residents often lack basic identification required to access social and financial services critical to their full participation in society. The MoCaFi Municipal ID Solution combines the MoCaFi Mobility Banking Program with a state-of-the-art, secure government-issue ID design to create an innovative pathway to social and financial stability. To drive successful adoption of the ID program, MoCaFi plans early community engagement, outreach and education in collaboration with local partners.

MoCaFi Secured
Municipal ID

  • Built on best-in-industry identity authentication and debit card technology
  • Color shifting security ink on city seal and graphic elements
  • Fraud avoidance microtext of the Mayor’s signature
  • Security pattern design, printing, and UV imagery
  • Hologram security and authentication
  • MoCaFi-generated ID number used as a unique identifier for opting into the MoCaFi Mobility Banking platform
  • Customized card design to reflect particular City spirit
  • Personalized card info with residents’ status (veteran, organ donor, health alert)

MoCaFi Mobility
Bank Account

  • Dual interface chip capable of embedding payment and access integration with municipal services such as social subsidies, transit vouchers, disaster relief and payroll
  • Municipal ID and SSN or ITIN are the only requirements for opening an account; no credit check or prior banking history needed
  • Bank account and routing number issued immediately upon successfully opening an account in the mobile app
  • No fee options for withdrawing cash at 55,000 Allpoint ATM locations
  • No fee options for loading cash at any Vanilla Direct retail location, including CVS, Family Dollar, Rite Aid, 7-Eleven, Walgreens and Dollar General
  • No fee options for loading approved paper checks via mobile photo capture with the INGO Money™ Service feature
  • Digital money transfers with popular services (Venmo, PayPal, Cash App, etc.)
  • MoCaFi Mobility Debit Card issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated

MoCaFi Municipal ID Application Portal

  • Enterprise-grade cloud service that enables municipal employees to intake ID applications at designated service locations and issue IDs for print on the MoCaFi IT infrastructure
  • Multi-language customer support
  • MoCaFi offers both a physical card and digital card

MoCaFi Mobile App for iOS and Android

  • Open MoCaFi Bank Account in minutes with the 19-digit MoCaFi Municipal ID number
  • No fee Rent Payment and Reporting to Equifax and TransUnion as a credit building tool
  • No fee credit score access with the VantageScore Tracker by Equifax
  • Mobility Score provides access to homeownership & rental assistance, credit score education, and healthcare benefits finder & discounts via MoCaFi / Stride Health Portal
  • Money management, credit, and personal development content in the app media feed

MoCaFi wants to work with your community to create a Municipal ID Debit card that works for your city!

For more information, please contact

MoCaFi respects and is committed to protecting the privacy of all cardholders.

Protected Personal Information of our cardholders is not compromised or shared with the use of the MoCaFi card or mobile app.  The unique identifiers we assign are for internal use only and never shared with 3rd parties.

For all full description of our Privacy Policy please visit