I'm a person and I want to...

I want to pay my bills online...

Many of us pay some or all of our monthly bills with a debit or credit card. You can use your MOCA Prime Debit Card just the way you use a card currently, or you can take advantage of MOCA’s special features. Create a virtual MOCA Prime Debit or Cash Debit Card for all your online payments and keep the card turned “off” except when you are paying bills. You can also create a virtual MOCA Prime Debit or Cash Debit Card and lock it down to a single merchant for online payments. That way you can have a Utilities card, a Mortgage card, an Auto Loan card, etc. – all virtual and all locked down to that one designated payee.

Safer, more secure, and more convenient AND you can earn rewards while paying your monthly bills.

I need to give my kids money, but I also want to know where they spend it…

That’s exactly why we created the MOCA Sentinel Debit Card. The MOCA Sentinel Debit Card is a prepaid card that you can self-issue, give to someone, and limit when, where, and how the card is used. You can also monitor transactions in real-time, so you’ll know exactly where and how that money is getting spent!

You can allow the card to be used only during certain hours or even on certain days. You can block the card from being used at certain merchants. You can set spending limits by transaction, day, week, or month. You can even block, cancel, or recall the money on the card at any time, and these are just some of the controls you can implement. If the need arises, you can also add money to a MOCA Sentinel Debit Card on demand. As an added bonus, it is a safe, stress-free way to teach your children how to be responsible with money.

The MOCA Sentinel Debit Card is perfect for kids in your household, but also for elderly parents or anyone else you think may benefit from a little oversight.

I want to be able to pay anyone, anywhere, anytime…

Of course MOCA let’s you do that. Just use MOCA’s real-time MocaMoney feature on MOCA Mobile or our MOCA desktop app. All you need is a MOCA Prime account and the recipient’s email address. Then access MocaMoney, choose or add your recipient, and tell MOCA how much money to send. It’s that easy (and we even let you send a message so they know why you are paying them).

Sometimes I avoid using my debit card, because I’m worried about card fraud…

No need to worry, MOCA Cards were designed to give you more security and more control. As a standard feature, your MOCA Prime Debit, Cash Debit, and Sentinel Debit Cards employ an encrypted EMV chip and are also contactless – both providing enhanced security. But MOCA Cards go further.

First, you get real-time transaction alerts so if anything fishy arises you will know about it and can block your card immediately. You can also keep your card “off” by default and turn it on through MOCA Mobile or the desktop app on demand whenever you want to use it. Next, you can create as many virtual cards as you like and lock them down to a single merchant for online transactions. That’s right, one unique card number per merchant for online purchases.

Finally, some people say digital wallets are more secure because they send a “token” through the merchant terminal and never send your actual card data. All MOCA Cards with the exception of Gift Cards are compatible with all the popular digital wallets - Apple Pay, Google Pay, Samsung Pay, LG Pay, Garmin Pay, and Fitbit Pay. Explore all your MOCA Card has to offer. We are sure you’ll be pleased.

I shop online a lot

Your MOCA Card is perfect for online shopping. You can always use your MOCA Prime Debit Card the same way you use your cards today, or you can create designated virtual cards for online purchases. Create a single virtual card for all your online shopping or create separate virtual cards for each online merchant you visit regularly. Either way, you can keep your card “off” until it’s time to use it, but with separate cards for each merchant, you can lock each card down for online purchases with that merchant only. Even safer and more secure. (And it’s also easier to keep track of how much you are spending and where).

I sometimes have trouble keeping my spending under control…

Your MOCA Card can help with that. Through either MOCA Mobile or our desktop app, you can set daily, weekly, and monthly spending limits. The app will even track how much of your limit you have used at any given time. A great feature for those of us who want to watch our spending (and can use a little help).

But don’t worry, if an emergency arises and you need to “relax” one of your spending limits in a hurry, you can do so on demand through MOCA Mobile or the desktop app. Either way, we’ve got you covered.

I like to “touch and go” so I use a digital wallet…

Great! Then you know how to add a card to a digital wallet and all virtual and physical MOCA Prime Debit, Cash Debit, and Sentinel Debit Cards are compatible with all the popular digital wallets - Apple Pay, Google Pay, Samsung Pay, LG Pay, Garmin Pay, and Fitbit Pay.

Just so you know, your MOCA Prime Debit, Cash Debit, and Sentinel Debit Cards are contactless as well. So you can “touch and go” everywhere Visa® and contactless payments are accepted.

I want to earn rewards on my purchases…

Who doesn’t? Unlimited rewards come standard with your MOCA Prime account. Unlike other debit card rewards programs, we don’t cap what you can earn each month. Keep using your MOCA Card and keep earning. You can also self-redeem rewards at any time and in any amount. If that is not enough, you don’t just earn rewards on your Prime Debit Card purchases. You also earn rewards on all the transactions made with a MOCA Sentinel Debit Card. That will really add up.

NOTE: Only non-PIN transactions earn rewards. If you use your PIN, you won’t receive any rewards on that transaction. So always select the “No PIN” option if it is available. If not, just press “Enter” if a terminal asks for a PIN, or choose “Credit,” or do a signature transaction. Occasionally, it may be necessary to choose “Cancel” to bypass the PIN requirement, so try that as a last resort. Make sure anyone you give a MOCA Sentinel Debit Card to knows this as well. You don’t want to miss out on any rewards!