Start YourPath ToHomeownership

Get banked, build credit and create your path to homeownership with the MoCaFi Bank Account, an FDIC insured account.1.

    Get Started

    Download the MoCaFi app on your iOS* or Android** device.

    Open your MoCaFi Bank Account. We don’t check credit or banking history. Approval is based on verifying your personal identity.

      Boost your credit score by paying and reporting rent2 to the credit bureaus each month in the MoCaFi app.

      Why MoCaFi?

      No-cost options to deposit funds, no-cost options to withdraw cash at Allpoint® ATMs, no-cost cash loads at VanillaDirect™ retailers3 and cashback on purchases with MoCaFi Represent Rewards brands.

      Open A MoCaFi Account In Minutes

      We give you no-cost options to deposit funds, no-cost options to withdraw cash at Allpoint® ATMs, and no-cost cash loads at VanillaDirect™ retailers3.  We don’t check credit or banking history.  Approval is based on verifying your personal identity.

      Rental Payment Credit Boosts

      MoCaFi Bill Pay lets you add Billers and issue checks to pay them from the app without logging into separate websites or writing physical checks. Rental Payments made by check to your Landlord are eligible to be reported to Equifax and TransUnion as a way to boost your credit score with positive payment history. Rent funds are immediately debited from your account and the check is mailed in 1 business day. New payment history is added to your credit profile in 30-45 days.

      It's Time To Build

      MoCaFi and Rocket Mortgage

        The MoCaFi Bank Account and the MoCaFi Debit Mastercard are 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. The card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Account Agreement. The MoCaFi Bank Account is marketed and administered by MoCaFi. MoCaFi is a Fintech partnering with Sunrise Banks N.A.

        * iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

        ** Android is a trademark of Google LLC.

        1 MoCaFi credit and wealth-building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

        2 Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.

        3 VanillaDirect is provided by InComm Financial Services, Inc., which is licensed as a Money Transmitter by the New York State Department of Financial Services.