MoCaFi — Mobile Banking

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

Opening a MoCaFi Mobility Bank Account gets you a MoCaFi Mobility Debit Mastercard® and access to no charge ATM withdrawals, options on how to load your funds, and make purchases everywhere Debit Mastercard is accepted.

When you open a MoCaFi account, your account number and routing number are immediately available for direct depositing approved payroll and government benefits checks. Use the MoCaFi app to photo deposit approved checks using the Ingo™ Money Service integration.

The MoCaFi Debit Card can be used at any of the 55,000 AllPoint Network ATMs to withdraw cash with no surcharge fee. Just look for the AllPoint logo or use the ATM locator in the MoCaFi app.

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


VantageScore Tracker by Equifax is a free tool to track the behavior of your credit profile over time. VantageScore is growing as a rival to FICO for thin-credit file consumers with 12 billion scores provided to consumers and lenders between 2018 and 2019.

Get access to wealth building resources with points accumulated on your MoCaFi Mobility Score. Start out with access to financial coaching, credit education, and homeownership counseling.



Fees 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.

Ingo is operated by First Century Bank, N.A. and Ingo Money. Ingo accepts most types of government, payroll, personal or other checks for review and approval. All checks must have the writer’s name and address pre-printed on the check, be dated on or before the date of submission, be made out to you as your name appears in our system, have matching numbers in the two amount lines, be signed by the check writer, be endorsed by you, and the endorsement must match the name on the payee line on the front of the check. We do not generally accept credit card checks, traveler’s checks, “starter checks” or other checks which do not have the check writer’s name and address pre-printed on the check, U.S. Savings Bonds, or checks drawn on accounts located outside of the United States or payable in currency other than US Dollars. We may or may not accept checks you have written to yourself, in our sole discretion.

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

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

Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.
Updated on
Apr 12, 2023

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
194 reviews
Jeremy 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.
44 people found this review helpful
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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.
30 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.
Kendra Nichole
September 17, 2020
This banking system should have not launched this early without all of its coding done. Not only does the app have misspelled words, but the entire program is way behind in standard software functions. I am really angry to give this company personal information, be denied because my information couldn't be verfied, then weeks later receive a card so I activated it.Transfered money, tried to pay a bill, card was declined, called support, my card has been canceled and my money is gone!!!!
26 people found this review helpful
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What's new

Improvements to the instructions on how to scan identity documents.