MoCaFi — Mobile Banking

3.8
200 reviews
10K+
Downloads
Content rating
Everyone
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About this app

Personal banking for the neighborhood is here with the MoCaFi Bank Account.

By simply verifying your identity, you can open an FDIC-insured deposit account with no fees to direct deposit, load cash, withdraw cash, pay bills, or send money from your account.

If you received funds from a government program on your MoCaFi Immediate Response Incentive Mastercard®, then you can add that card to the MoCaFi app to see both of your accounts in one place.

The MoCaFi Debit Mastercard® that comes with your account works with Zelle® app.

The app connects you to local financial resources in your area like coaching, community banking pop ups, and rewards at local businesses.

Financial stability is attainable with your MoCaFi Bank Account.

Live the dream.

KEY FEATURES

NO-FEE 2-DAY EARLY DIRECT DEPOSIT
After making one verified direct deposit to your account, you are eligible to receive direct deposits from that employer or benefits provider up to two days earlier than scheduled.

NO-FEE CASH WITHDRAWLS AT OVER 80,000 ATMS5
No-fee cash withdrawals at any Allpoint®, Wells Fargo, or Citi ATM.

NO-FEE CASH DEPOSIT AT SELECT STORES
No-fee cash depositing on the VanillaDirect LoadTM 6 Network including Rite-Aid, Walgreens, Dollar General, and Family Dollar.

UNDOCUMENTED INDIVIDUALS ARE WELCOME
SSN, Passport, or Foreign ID are all acceptable documents that we can use to verify your identity for an account.

BOOST CREDIT WITH RENT BILL PAYMENTS7
Use Bill Pay to pay Rent checks by mail. Rent Bills can be reported to Equifax and TransUnion as a way to boost your credit score with a positive payment history.

BUDGET BETTER WITH NO-FEE BILL PAYMENTS
Find your Biller in our database or add new Billers manually and pay them from funds in your account at no cost.
Updated on
May 23, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Device or other IDs
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

3.8
200 reviews
Robert K
September 3, 2021
I really wanted to like this app/company because I think it's a great idea. However, I have no way to use them. I have the app and the debit card, but zero ways to get money into the account. The app has Move Money, Load Cash, Pay Bills, Find ATM and Load Check. When I click on Move Money, Pay Bills or Load Check I get the same error message: MOVE MONEY (or the other text) IS UNAVAILABLE. WE APOLOGIZE FOR THE INCONVENIENCE. WE'LL UPDATE YOU ONCE MOVE MONEY IS WORKING AGAIN. So, I guess I'll wait a few weeks and see what happens, but I'll be deleting it and shredding my debit card if nothing moves after that.
32 people found this review helpful
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Mobility Capital Finance, Inc.
September 8, 2021
Robert, we apologize for the Move Money issues you had with your account. Please contact us by email at support@mocafi.com or call 1-800-342-7374 to take a look into your account immediately.
Jeremy D. Harness
April 3, 2021
I was disappointed. I've had the app for a couple of months but honestly don't use the bank at all bc I'm leery of putting money in the care of an app only based company when the app isn't completely working. My example of my debit card. The app still is showing that my card needs to be activated and it appears that i do not gain access to everythin g until it is active, which I'm told that it already is. Overall, the app just need some work and this would be a very good app and Bank.
46 people found this review helpful
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Larry Stewart
May 29, 2024
This app is sickening. Every time you turn around, they're asking you to update. These people are worse than scammers and very much low lives. no app should have to update that much. What a pathetic bunch of people who are behind this. Pathetic
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Mobility Capital Finance, Inc.
June 3, 2024
Larry - We are making substantial enhancements to our app design and experience. The latest update enabled Spanish translations to be done automatically in the app, supporting a significant number of multilingual customers. Thank you for your honest feedback so that we can create the best user experience possible.

What's new

Minor bugs fixes and improvements.