# MoCaFi — by Mobility Capital Finance > Fee-free personal banking with early direct deposit and credit-building features. (iPhone/iPad app by Mobility Capital Financial.) - Source: https://appshunter.io/ios/app/mocafi/id1192393215 (this page in markdown: same URL + `.md`) - Developer: [Mobility Capital Financial](https://appshunter.io/developer/1192393214) - Category: Finance, Utilities - Price: Free - Rating: 3.10/5 from 70 App Store ratings · 26 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 71 MB - Languages: American English - Released: 2017-01-16 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/mocafi/id1192393215/reviews.md ## What is MoCaFi? 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 and Apple Pay® Wallet. 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. ## Key features - 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 ## Recent user reviews (10 of 26) All indexed reviews: https://appshunter.io/ios/app/mocafi/id1192393215/reviews.md ### 1/5 — Terrible app *2024-04-03* I cannot access my account it’s not accepting my login info and it’s not letting me change my login info ### 5/5 — Wow, what an amazing card *2024-03-09* 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. ### 1/5 — Do not waste your time or put your money at risk *2023-12-29* 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. ### 1/5 — No help whatsoever *2023-12-19* 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. ### 5/5 — Love the new app! *2023-11-16* It is great and so easy to use. Thanks MoCaFi team for providing needed banking services to the community! ### 1/5 — 🤬 *2021-09-03* I downloaded this app did my Application after I did that they said I will receive a email never receive email I don’t know what’s going on I Believe“*this app and look for somethings else ### 1/5 — Lost my paycheck *2021-08-13* This place lost my paycheck and no one has called me back to help ### 1/5 — Scam bank *2021-07-01* Hah. This app locked my account with 1000$ on balance 6 month ago. I am still didnt geg my money back, no support lol ### 5/5 — Wonderful! *2021-06-09, version 5.1.10* This app has allowed me to manage my money and be more thoughtful with my spending in a way I haven’t been able to before. This app really helped me reach my money goals! ### 5/5 — Great company & mission *2021-06-06* MoCaFi is doing some great work & has a terrific product! ## Frequently asked questions about MoCaFi ### 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. ## Version history (last 5 releases) ### 6.0.25 — 2025-10-29 Essential Update ### 6.0.24 — 2025-10-15 Essential Update ### 6.0.23 — 2025-06-30 Essential Update for a Better Experience. ### 6.0.22 — 2025-05-20 Essential Update for a Better Experience. ### 6.0.21 — 2025-05-01 Essential Update for a Better Experience. ## Apps similar to MoCaFi | App | Rating | Price | Category | | --- | --- | --- | --- | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,484,624) | Free | Finance | | [Monese - A banking alternative](https://appshunter.io/ios/app/monese-a-banking-alternative/id1102793407) | 4.7 (2,369) | Free | Finance | | [Fluid card](https://appshunter.io/ios/app/fluid-card/id1364730352) | 4.6 (21) | Free | Finance | | [Monzo - Mobile Banking](https://appshunter.io/ios/app/monzo-mobile-banking/id1052238659) | 4.7 (5,585) | Free | Finance | | [Revolut — Mobile Finance](https://appshunter.io/ios/app/revolut-mobile-finance/id932493382) | 4.9 (1,026,250) | Free | Finance | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (194,420) | Free | Finance | ## More apps by Mobility Capital Financial - [Respect Bank Account](https://appshunter.io/ios/app/respect-bank-account/id1534942403) - [Angeleno Connect](https://appshunter.io/ios/app/angeleno-connect/id1535093589) - [MoCaFi IRC](https://appshunter.io/ios/app/mocafi-irc/id1537828146) - [Honolulu City Card](https://appshunter.io/ios/app/honolulu-city-card/id1548034054) - [Angeleno Connect IRC](https://appshunter.io/ios/app/angeleno-connect-irc/id1555539110) All apps by Mobility Capital Financial: https://appshunter.io/developer/1192393214 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*