Your money, your terms. Fast. Flexible. Secure.

MoCaFi is the personal financial platform that puts you in charge.  Join today to check your balance, cash your paychecks and send money quickly, safely & at no extra cost.

The MoCaFi App

Cash Checks

Cash checks with your mobile phone anywhere, anytime.

Recent Transactions

Your balance at your fingertips.

Move Money

Load your MoCaFi Card or sign up for direct deposit.

Manage Accounts

Move money to or from any linked bank account.

Mobile Check Cashing

Mobile Check Cashing

Link Any Bank Account

Link Any Account

The MoCaFi Card

Use Anywhere

Use your MoCaFi Card everywhere Debit Mastercard is accepted.

Direct Deposit

Receive your paycheck quickly and securely, straight to your MoCaFi card.

Free Transfers

Make transfers to and from any linked bank account at no cost.

Sub-Cards

Create up to five sub-cards to manage sharing and allowances. Your first sub-card is free.

Learn More About the MoCaFi Card

The MoCaFi Card

Low Fees, No Surprises

No Sign-Up Fee

No Monthly Fee

No Overdraft Fees

MoCaFi only charges the following fees...


No MoCaFi Card

$0per month
  • 2.0% All Gov. & Corporate Checks
  • 5.0% All Personal Checks
  • $0.99 PIN Transaction Fee
  • $1.98 ATM Transaction Fee
  • 3.0% Intl. Transaction Fee

Enhanced MoCaFi Card

$5per month
  • Pay What You Want Checks under $100
  • 1.8% Gov. & Corporate Checks > $100
  • 4.8% Personal Checks > $100
  • $0.99 PIN Transaction Fee
  • $1.98 ATM Transaction Fee
  • 3.0% Intl. Transaction Fee

TRANSACTION FEES

$1.98

ATM Withdrawal

$0.99

PIN Purchase

INTERNATIONAL TRANSACTION FEES

3.0%

Intl. Purchase & ATM Surcharge

INSTANT CHECK CASHING

2.0%

Business & Govt.

5.0%

Personal Checks


...and if you give us 10 days to clear your check, we'll cash it for free.

To keep the prices as low as possible, you might see an ad now and then.

Seriously though, thanks for understanding!

Terms & Conditions

Peace of Mind

FDIC INSURED

Your MoCaFi Card Account is serviced by Sunrise Banks, Member FDIC.

MASTERCARD ZERO LIABILITY

Enjoy Mastercard Zero Liability protection for point-of-sale & online purchases.

DATA SECURITY

Your personal data is securely encrypted in the Amazon Web Cloud.

Learn More

Peace of Mind

Sign Up in Minutes

1

Download the MoCaFi App.

2

Create your account and order your card.

3

Load your MoCaFi Card and use it wherever Mastercard is accepted.

Sign Up in Minutes

It All Starts with You

It All Starts with You

Tech Support When You Need It

Tech Support When You Need It

Request tech support within the MoCaFi App or call us any time at (855) 266-2234.Our team is here to help, and we'll get you up and running as soon as possible.

Support

Dedicated Partners

Dedicated Partners

Ask Wole!

He's our CEO.

Ask Wole!

He's our CEO.

We're building financial tools that work as hard as you do, and Wole'd love to tell you what's coming next.

To hear more about where we've been & what we're up to...

Give a shout!

Connect with MoCaFi


Connect