MoCaFi

MoCaFi

by Mobility Capital Finance

70 ratings
26 reviews

Archived App (Last seen on 23 Dec 2025)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • January 16, 2017
  • October 29, 2025
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About

Manage your FDIC-insured bank account with no fees for essential transactions like direct deposit, cash loading, and bill payments. Access local financial resources and build credit by reporting rent payments. This app welcomes undocumented individuals.

No-fee early direct deposit
No-fee ATM withdrawals
No-fee cash deposits
Accepts alternative IDs for verification
Boost credit with rent bill payments
No-fee bill payments
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What's New in MoCaFi

6.0.25

October 29, 2025

Essential Update

User reviews

Terrible app

I cannot access my account it’s not accepting my login info and it’s not letting me change my login info

Wow, what an amazing card

Hi this is the best thing card by far I love this card and this is the best part I ever had and I like the new features and I like that it’s like fairly new this bank and it just fits my lifestyle and I think that all around it is great and it gives you different options It’s not complicated and I got approved right away and I had good connection and I can receive messages, so this worked out for me. I see a lot of people in here. It didn’t work out for them because of the SMNS but it worked for me. I hope it works for everyone else.
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Do not waste your time or put your money at risk

I really wanted to support this bank because it is black owned and it’s mission statement is powerful in wanting to create equity but they failed to protect me and support me in getting my money back after I was deceived, manipulated, and tricked by a merchant into ending a dispute in order to receive a refund that they never provided me. 3 months of going back and forth and having no choice but to miss spending the holidays with my family due to lack of available funds for me to travel and I still never received my refund. I would have expected them as my bank that is supposed to protect my money and who cares so much about equity and financial justice to understand the situation at hand and get me my money back but instead they didn’t. Even though I had all the evidence and screenshots to prove my case they gave me no resolution and quite frankly did not care. I do not wish for this to happen to anyone. I sat here on Christmas, alone, and depressed because I couldn’t get back to my family. DO NOT WASTE YOUR TIME OR MONEY GETTING INVOLVED WITH THIS BANK. I WHOLEHEARTEDLY REGRET IT.
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No help whatsoever

Do not use them if you can help it. Im stuck because of a program through my city, but please google this bank before you open an account. There is no support. I don’t have the card they said was mailed out 12 days ago. Nobody will give me a digital card number that my program said would be available immediately. Their BBB page is in shambles. And this app does literally nothing except let me look at the deposit that I don’t have access to. Zero stars.
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Love the new app!

It is great and so easy to use. Thanks MoCaFi team for providing needed banking services to the community!

Developer apps

FAQ

What is the MoCaFi Bank Account?

The MoCaFi Bank Account is a personal banking solution designed to offer fee-free services for essential financial activities. It provides an FDIC-insured deposit account that allows for no-fee direct deposits, cash loading, withdrawals, bill payments, and money transfers. The app also connects users to local financial resources and offers features to help build credit.

What are the key features of the MoCaFi app?

Key features include no-fee 2-day early direct deposit after the first verified deposit, no-fee cash withdrawals at over 80,000 ATMs, and no-fee cash deposits at select stores. Users can also boost their credit score by reporting rent bill payments and manage their finances with no-fee bill payments.

Is there a cost to use the MoCaFi app or bank account?

The MoCaFi Bank Account and app are free to use. There are no fees associated with direct deposits, cash withdrawals at supported ATMs, cash deposits at select retailers, or bill payments. The app itself does not have any subscription costs or in-app purchase requirements.

Who can open a MoCaFi account?

The app is designed to be inclusive and welcomes undocumented individuals. Identity verification can be completed using documents such as an SSN, Passport, or Foreign ID. This makes it accessible to a broader range of users seeking financial services.

How can I use MoCaFi to build my credit?

You can build your credit by using the app's Bill Pay feature to pay your rent. When you pay rent checks by mail through the app, these payments can be reported to credit bureaus like Equifax and TransUnion. This positive payment history can help boost your credit score over time.