MoCaFi 4+

by Mobility Capital Finance

Mobility Capital Financial

    • 3.0 • 67 Ratings
    • Free



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.


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 withdrawals at any Allpoint®, Wells Fargo, or Citi ATM.

No-fee cash depositing on the VanillaDirect LoadTM 6 Network including Rite-Aid, Walgreens, Dollar General, and Family Dollar.

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

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.

Find your Biller in our database or add new Billers manually and pay them from funds in your account at no cost.

What’s New

Version 6.0.10

Minor bugs fixes and improvements.

Ratings and Reviews

3.0 out of 5
67 Ratings

67 Ratings

dcpublicist ,

Lots of kinks but great content

On the banking side, I’ve had many of the issues shared in other reviews. So, I reached out to the founder and he shared that they are working through the banking kinks and well aware of the issues.

The content, however, is great. I think the app is beautifully designed and has good content.

It’s a startup. It’s not a scam. They just need to do more work on the execution as well as more testing.

When it fully rolls out, it will be amazing.


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.

Psfknr ,

Terrible experience

First thing I noticed after receiving the card in the mail is that there were 2 different phone numbers for their customer service and one of them was an incorrect number from a misprint. Second was to call the listed phone number and follow prompts to activate card and create a PIN. Calling the number takes you directly to customer service, which NOBODY answers! You have an option to press 1 to leave a message and they’ll call you back. I pressed 1 after 30 minutes, then it automatically hangs up the call LoL! I went online to try to activate the card, but after entering all of my personal information, the application will freeze when it asks you to agree to the policy and terms and you cannot go any further. Can’t do anything at this point. This is a real sloppy system and I don’t know how you can trust this company to handle your money. I would look closely at those 5 star reviews. Kind of funny to have mostly 1 Star reviews with a couple of fraudulent 5 star reviews.

App Privacy

The developer, Mobility Capital Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

More By This Developer

You Might Also Like

Dora – Mobile Banking
Cogni - Mobile Banking
Restart - Mobile Banking App
OmniMoney by Boost Mobile
Slash Banking
Revolve Finance