Spend smart, build credit, and plan for wealth with MoCaFi1 and Stride.

GET MOCAFI

Bridging the gap to inclusive finance and healthcare

Affordable financial and healthcare service is a dire issue for many Americans. 40% of American adults don’t have enough savings to cover a $400 emergency2. As of 2019 Hispanics (19%) and Blacks (11%) had significantly higher uninsured rates than Whites (8%)3. But the path to financial mobility can be created with tools and resources on our smartphone. We just need to tap in.

MoCaFi Mobility Debit Mastercard®

Open your MoCaFi Mobility Bank Account and Debit Card in minutes without a credit check or banking history.

No fee debit card purchases
No fee early Direct Deposit4
No fee cash withdrawals at Allpoint ATMs5
No fee cash loads at VanillaDirect Load™ retailers
No fee check loads with Ingo™ Money6
No fee money transfers to MoCaFi cardholders
Discounts on MoCaFi Represent Rewards Partners7

Make purchases everywhere Debit Mastercard is accepted

GET MOCAFI

MoCaFi Mobility Score

Get wealth building resources through points accumulated on your MoCaFi Mobility Score8

Stride Health | MoCaFi Benefits Portal
Navicore Solutions Homeownership
We Management Credit Education
MoCaFi Personal Financial Coaching Sessions

GET MOCAFI

Build & Understand Your Credit Score

Use the Bill Pay feature to send check payments to your landlord and opt-in to report those payments to Equifax and TransUnion9.  In addition to monthly reporting, we can also submit a one-time report of up to 24 months of past rental payment history.

Understand your credit profile with VantageScore Tracker by Equifax10.

GET MOCAFI

No Credit Check or Banking History Required

Open a bank account in the MoCaFi app – no credit check, no banking history

Deposit funds without fees via direct deposit, money transfer, cash load on the VanillaDirect™ network, or check via Ingo™ Money

Get access to tools & resources for building wealth

GET MOCAFI

The MoCaFi Debit 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 Account Agreement.

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

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

2 Board of Governor’s of the Federal Reserve Report on the Economic Well-Being of US Households 2017
https://www.kff.org/uninsured/issue-brief/key-facts-about-the-uninsured-population/

3 Key Facts about the Uninusred Population
https://www.kff.org/uninsured/issue-brief/key-facts-about-the-uninsured-population/

4 Early Direct Deposit 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 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.

5Fees 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.

6 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.

7 MoCaFi Represent Rewards is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.

8 MoCaFi Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.

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

10 MoCaFi VantageScore Tracker by Equifax is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.