SPEND SMART

BUILD CREDIT

DO YOU

Start your path to financial mobility with the MoCaFi Prepaid Mastercard®

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SPEND SMART

Direct deposit and make domestic purchases at no cost with the MoCaFi Prepaid Mastercard®

No fees to direct deposit, move money from a linked bank account, or pay bills (other fees may apply; see Cardholder Agreement for a full list of fees). Deposit approved checks using Ingo™ Money2 or load cash at any Greendot Reload at the Register™ location. Manage recurring budget items with sub-cards and share money with MoCaFi cardholders at no cost. 

SPEND SMART

No fees to direct deposit, move money from a linked bank account, or pay bills (other fees may apply; see Cardholder Agreement for a full list of fees). Deposit approved checks using Ingo™ Money or load cash at any Greendot Reload at the Register™ location. Manage budget items with sub-cards and share money with MoCaFi cardholders at no cost. 

Direct deposit and make domestic purchases at no cost with the MoCaFi Prepaid Mastercard®

Get MoCaFi

THE STRUGGLE IS REAL

40% of Americans are unable to cover a $400 emergency according to the FDIC.  Nearly half of black households are underbanked, which over a lifetime, can cost nearly $40,000 in fees on check cashing, payday loans, money orders, and high-fee prepaid cards1.  MoCaFi bridges the gap between financial exclusion and financial mobility.

BUILD CREDIT

Pay rent, report it to the credit bureaus, and track your VantageScore performance at no cost3.

Most landlords don't report rent payments to the credit bureaus, so many renters don't get the credit of good payment history from their largest and most important monthly expense.  MoCaFi cardholders can pay rent electronically at no cost, have the payments reported to Equifax and TransUnion, and then track progress with our free VantageScore Tracker by Equifax.  

BUILD CREDIT

Most landlords don't report rent payments to the credit bureaus, so renters often aren't getting credit for positive payment history from their largest and most important monthly expense.  MoCaFi cardholders can pay rent electronically, have the payments reported to Equifax and TransUnion, and track progress with the VantageScore Tracker by Equifax.  

Pay rent, report it to the credit bureaus, and track your VantageScore performance at no cost.

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Get MoCaFi

DO YOU

Get closer to your goal of prime credit, homeownership or entrepreneurship with the MoCaFi Mobility Score3.

The Mobility Score is our proprietary algorithm for assessing your money management, financial literacy, and financial planning activities in the MoCaFi app.  Mobility Score levels unlock access to wealth coaching services like money management, credit building, and home ownership from our team and service partners.

DO YOU

The Mobility Score is our proprietary algorithm for assessing your money management, financial literacy, and financial planning activities.  Mobility Score levels unlock services to help you attain homeownership, a new business, or a prime credit score.

Get closer to your goal of prime credit, homeownership or entrepreneurship with the MoCaFi Mobility Score.

Get MoCaFi

REPRESENT

30% of small businesses fail due to lack of cash or credit. When a storefront in your neighborhood is empty or a startup we love shuts down its website, we lose the opportunity to invest in our community, represent our culture, and make a human connection. Support small businesses in your community when you buy with MoCaFi.  

Get 10% off of each purchase with a MoCaFi Represent rewards brand.

FIND YOUR WEALTH

Get the MoCaFi Guide to Building Wealth to start transforming your thinking about money, credit, and personal growth.

FIND YOUR WEALTH

Get the MoCaFi Guide To Building Wealth to start transforming the way you think about money, credit and personal growth.

ABOUT MOCAFI

MoCaFi is an African-American owned fintech company that provides banking, credit building, and wealth coaching services for Americans living on the economic margins. Our mission is to put 10M people on a path to wealth. Join the movement.

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Enroll in the MoCaFi app to start your path to financial mobility

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REPRESENT REWARDS BRANDS

THE STRUGGLE IS REAL

40% of Americans are unable to cover a $400 emergency, according to the FDIC.  Nearly half of black households are underbanked, which over a lifetime, can cost nearly $40,000 in fees on check cashing, payday loans, money orders, and high-fee prepaid cards.  MoCaFi bridges the gap between financial exclusion and financial mobility.

REPRESENT

30% of small businesses fail due to lack of cash or credit. When a storefront in your neighborhood is empty or a startup we love shuts down its website, we lose the opportunity to invest in our community, represent our culture, and make a human connection. Support small businesses in your community when you buy and save with MoCaFi.  

Get 10% of each purchase with a MoCaFi Represent rewards brand.

ABOUT MOCAFI

MoCaFi is an African-American owned fintech company that provides banking, credit building, and wealth coaching services for Americans living on the economic margins.  

Our mission is to put 10M people on a path to wealth by 2025

Join the movement.

DOWNLOAD + ENROLL

Enroll in the MoCaFi app to start your path to financial mobility

Click me
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IMPORTANT DISCLOSURES

The Akimbo MoCaFi Prepaid Mastercard is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. This 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.

1 The case for accelerating financial inclusion in black communities, Feb 2020

2 Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.

3 The Rental Payment Reporting, Mobility Score, and VantageScore Tracker features are not Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse this feature.

No liability is assumed by MoCaFi resulting from the use of the information contained in any financial illustrations. You are solely responsible for any financial decisions you make.  MOCAFI MAKES NO WARRANTY AS TO THE RESULTS THAT YOU MAY OBTAIN FROM YOUR SESSION WITH A MOCAFI COUNSELOR AND ANY INFORMATION OR ADVICE YOU RECEIVE.  MOCAFI WILL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR NOT, WHICH MAY RESULT FROM YOUR SESSION WITH A MOCAFI COUNSELOR.  MoCaFi respects your privacy and will maintain the confidentiality of any information you provide to a MoCaFi counselor in accordance with the MoCaFi Privacy Policy available on the MoCaFi website at MoCaFi.com.

1 Washington Place, Newark, NJ 07102

215 W. 125th Street, New York, NJ 10027

1-800-342-7374

support@mocafi.com