Banking built for 
economic justice

Spend Smart • Build Credit • Do You

Banking built for economic justice.

Mobile Banking • Credit Building
Group Economics

Fund your account with early direct deposit,² cash, approved checks³, or account transfers.

GET 
BANKED

PAY 
BILLS

Add Bills, Pay Bills, and see the transaction information in the MoCaFi Bank Account app.

EARN 
CASHBACK 

Up to 3% cashback at local Black and Latinx owned small businesses as way to support and represent small business community.

BUILD 
CREDIT

Rental payments made from your MoCaFi Bank Account are eligible to be reported to Equifax and TransUnion as a way to boost your credit score⁴.

Download the MoCaFi app for Android or iOS. Complete the application. Approval is based on verifying your personal identity. No credit check or banking history is required. Just verification of a government ID, and home address.

Open An Account In Minutes From Your Smartphone

Add Billers and issue checks from the app without logging into separate websites or writing physical checks. Use Bill Pay to mail your checks to anyone — your Landlord, public utility or even family members. Funds are immediately debited and a check is cut and mailed to the Biller within 1 business day.

Manage and pay bills from the MoCaFi app

Get paid up to 2 days before your scheduled payday with early direct deposit.  Deposit cash at no cost at any store VanillaDirect™ Load store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar.  Withdraw cash at any Allpoint^® or Wells Fargo ATM without fees. Send and receive money between MoCaFi cardholders or connected bank account in your name.  

Deposit, spend and withdraw without fees

Build your budget, credit, and community with MoCaFi 

The MoCaFi Bank Account and the MoCaFi Debit Mastercard are is 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 Angeleno Connect Bank Account is marketed and administered by MoCaFi. MoCaFi is a Fintech partnering with Sunrise Banks N.A.

¹MoCaFicredit and budget building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features

²Faster 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.

³The 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.

⁴Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.

⁵The Represent Rewards Program is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.

Open an account in minutes on your phone

Download the MoCaFi app for Android or iOS. Complete the application. Approval is based on verifying your personal identity. No credit check or banking history is required. Just verification of a government ID, and home address.

Get paid up to 2 days before your scheduled payday with early direct deposit.  Deposit cash at no cost at any store VanillaDirect™ Load store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar.  Withdraw cash at any Allpoint^® or Wells Fargo ATM without fees. Send and receive money between MoCaFi cardholders or connected bank account in your name.  

Deposit, spend and withdraw without paying fees

Deposit, spend, and withdraw without fees

Get paid up to 2 days before your scheduled payday with early direct deposit.  Deposit cash at no cost at any store VanillaDirect™ store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar.  Withdraw cash at any Allpoint^® or Wells Fargo ATM without fees. Send and receive money between MoCaFi cardholders or connected bank account in your name.  

Get paid up to 2 days before your scheduled payday with early direct deposit.  Deposit cash at no cost at any store VanillaDirect™ Load store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar.  Withdraw cash at any Allpoint^® or Wells Fargo ATM without fees. Send and receive money between MoCaFi cardholders or connected bank account in your name.  

Deposit, spend and withdraw without paying fees

Build Your Credit Score With Rent Payments 

Rent Bill Payments are eligible to be reported to Equifax and TransUnion as a way to boost your credit score.  Funds are immediately debited from your account and the check is mailed in 1 business day. New payments are added to your credit profile in 30 days

The MoCaFi Bank Account and the MoCaFi Debit Mastercard are is 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 Angeleno Connect Bank Account is marketed and administered by MoCaFi. MoCaFi is a Fintech partnering with Sunrise Banks N.A.

¹Angeleno Connect credit and budget building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features

²Faster 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.

³The 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.

⁴Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.

⁵The Represent Rewards Program is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.

Build up your budget, credit, and community

CREATE YOUR PATH TO HOMEOWNERSHIP

Use the MoCaFi Rent-2-Home blueprint to earn lower interest rates and down payment assistance on a Rocket Mortgage Home Loan+.

Represent cash back rewards offer a way for MoCaFi cardholders to support the growth of Black and Latinx entrepreneurs. Earn up to 3% cash back on each purchase you make with a MoCaFi Represent Brand^.

Represent Black & Brown Businesses When You Buy With Your MoCaFi Card

Rent Bill 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.

Build Your Credit Score With Rent Payments 

Akil West, Founder of Sole Folks — a creative entrepreneur co-op in the Leimert Park neighborhood of Los Angeles — featured in the MoCaFi "Block Chains" Series.

Represent cash back rewards offer a way for MoCaFi cardholders to support the growth of Black and Latinx entrepreneurs when you spend with your MoCaFi Debit Card.

Earn up to 3% cashback at Black & Latinx owned small businesses

• Use your MoCaFi Debit Card to shop at any Represent business

• Get 1.5% cashback on your purchase, no cap limit

• Do direct deposit and get 3% cashback, no cap limit

• Funds are credited to your account within 30 days of purchase.

Get paid up to 2 days before your scheduled payday with early direct deposit.  Deposit cash at no cost at any store VanillaDirect™ Load store — CVS, Rite Aid, 7-Eleven, Dollar General, Family Dollar.  Withdraw cash at any Allpoint^® or Wells Fargo ATM without fees. Send and receive money between MoCaFi cardholders or connected bank account in your name.  

Deposit, spend and withdraw without paying fees

Manage and pay bills from the MoCaFi app

Add Billers and issue checks from the app without logging into separate websites or writing physical checks. Use Bill Pay to mail your checks to anyone — your Landlord, public utility or even family members. Funds are immediately debited and a check is cut and mailed to the Biller within 1 business day.

Represent community 
with your dollar

Akil West, Founder of Sole Folks — a creative entrepreneur co-op in the Leimert Park neighborhood of Los Angeles — featured in the MoCaFi "Block Chains" Series.

Represent cashback offers MoCaFi cardholders a way to support the growth of Black & Latinx businesses when you spend with your MoCaFi.

• Use your MoCaFi Debit Card to shop at any Represent business

• Get 1.5% cashback on your purchase, no cap limit

• Do direct deposit and get 3% cashback, no cap limit

• Funds are credited to your account within 30 days of purchase.

Represent community 
with your dollar

Akil West, Founder of Sole Folks — a creative co-op in the Leimert Park neighborhood of Los Angeles — featured in the MoCaFi Block Chains Series.

REPRESENT COMMUNITY WITH YOUR DOLLAR

Earn up to 3% cashback at Black & Latinx owned small businesses.