The Patriot prepaid debit card is the better solution for managing your finances.
Originally created for our Veteran community, the Patriot debit card is available for all eligible Americans. The Patriot card is like having a bank in your wallet.
Sign up for your card today.
The Patriot card is issued by MOCA, and MOCA is a financial technology company, not a bank. Banking services are provided by Peoples State Bank, Shepherd, Texas – Member FDIC.
How The Patriot Card Works
The Patriot debit card gives back, gives you control and gives you peace of mind.
In addition to giving you better control of your own finances, the Patriot debit card is perfect for parents and caregivers.
All you need to qualify for a Patriot prepaid debit card is be over 18, have a government-issued ID, a valid social security number, a valid email address, and a physical address. That’s it!
Reward Yourself
With the Patriot debit card, the rewards go back in your wallet (something not every debit card can offer). You’ll really enjoy…
- Cash-back rewards earned with every purchase
- Double your rewards with at least 10 purchases per month
- Redeem for cash at anytime
Control Your Money
You have the ultimate control of your money with the Patriot debit card! Use your card everywhere AFFN® and Visa® are accepted worldwide, including ATMs. In addition…
- You get to choose from physical or virtual cards1
- Deposit money to your card via direct deposit, bank transfers, or over 60,000 Visa® ReadyLink3 locations
- Get your money earlier! With direct deposit, access your regular paycheck up to two days early2 and many government benefits up to four days early2
- Manage your card through desktop or mobile app
- You control when, where, and how it is used (great for parents and caregivers!)
The Patriot debit card never charges these fees
- No overdraft fees
- No purchases fees
- No cash-back fees
- No ATM withdrawal fees3
- No fees to transfer to or from other accounts
Protect Your Money
- Funds deposited on the Patriot debit card are insured up to $250,000 through Peoples State Bank, Shepherd, Texas, Member FDIC
- Monitor the card with real-time transaction alerts
- Apply card controls to limit when, where,and how it is used
- Instantly turn your card on or off
You have questions? We have answers!
Learn everything you need to know about the Patriot card by exploring the frequently asked questions below. You can jump to sections that are relevant to you.
General Patriot card sign-up questions
What is the Patriot prepaid debit card?
The Patriot prepaid debit card (Patriot card) is a “smart” debit card with state-of-the-art functionality and safety features that are controlled using a powerful mobile app, MOCA-Pay.
Does the Patriot card have an app?
How do I get a Patriot card?
Getting a Patriot card is easy. You must be over 18, have a government-issued ID, a valid social security number, a valid email address, and a physical address* (no P.O. Boxes). That’s it!
*see FAQ for Veterans without physical addresses
What if I don't have a physical address?
Veterans who are homeless, formerly homeless, or simply do not have a permanent address can use their Department of Veterans Affairs (VA) identification (ID) and a VA Homeless Coordinator’s office address to apply for a Patriot card.
How long does it take to get approved for a Patriot card?
In most cases, you are approved immediately! Even better, we give you a virtual card to use right away while you wait for your physical card in the mail. Your security is our number one priority, so in some cases we may reach out to you to confirm some information in your application. If you get a call or email from us shortly after you apply, please respond!
Will applying for a Patriot card affect my credit?
No! We ask for your social security number so we can be sure you are who you say you are, but we don’t check your credit, and applying won’t have any effect on your credit.
How can I contact you if I have any questions?
MOCA can be reached by email or telephone. The MOCA email address is support@mocapay.com and our support phone number is (888) 504-0546.
Why the Patriot card is the right option
How is the Patriot card different from other prepaid debit cards?
Here are some of the reasons why the Patriot card is so unique:
- Funding the card: The Patriot card is a payment card that allows you to load funds onto it in advance, using direct deposit, transferring money from a bank account, card-to-card transfers4, or by depositing cash at any of 60,000 Visa® Readylink3 locations. Because the card is not “attached” to a checking account, only the money deposited on it is ever at risk of loss.
- It’s a “smart” debit card: What makes the Patriot card “smart” and different from other prepaid debit cards is that the Patriot card has both a routing number and an account number, similar to a traditional checking account. This allows you to conveniently use features such as bill payment and direct deposit. The Patriot card also comes in both physical and virtual versions1.
- It’s a safe card: The Patriot card’s unique card controls allow cardholders to limit card use based on time, place, transaction amount, and other criteria. These card controls make the Patriot card safer than most traditional debit cards. The Patriot card also provides real-time transaction alerts and an immediate “card off” option keeping you in control.
- It’s a card you can give your kids or a caregiver: Patriot cardholders can create multiple plastic or virtual cards1, which can be given to children or caregivers or used for any other specific purpose. You can then control when, where, and how the card is used including turning the card “off” if you see a suspicious transaction. Cardholders can also produce a one-time-use virtual card. Because each virtual card has its own routing and account number, limiting the amount of money on each card limits its vulnerability to fraudsters or thieves.
How is the Patriot card the same as other debit cards?
Funds deposited on a Patriot card are stored in a bank, which means they are FDIC insured. Like traditional debit cards, the Patriot card can be used for purchases, online transactions, and ATM withdrawals. The Patriot card can be used everywhere Visa® or AFFN® is accepted.
Does the Patriot card have an app?
Do I need a bank account if I have a Patriot card?
No. Although many Patriot card holders will connect their cards to their bank account so they can move funds from their account to their card, the Patriot card can also be funded by direct deposit, card-to-card transfers4, or by loading cash at any of 60,000 Visa® Readylink3 locations. Because each Patriot card has its own routing and account numbers, it can be used like a bank account. Because funds stored on a Patriot card are held by Peoples State Bank, Shepherd, TX, they are FDIC insured.
Why should I use a card like the Patriot card?
There are many reasons why using the Patriot card is a wise financial decision. Here are just a few: Because the Patriot card is not directly connected to your bank account, lost or stolen cards can be replaced without the risk of someone accessing funds beyond those you placed on the card. Using the app, cardholders can tailor use of the card by time of day, transaction amount, location, merchant type, and other criteria. The Patriot card also provides real-time transaction alerts and can also be turned off immediately in the app if it is lost or stolen. MOCA provides the Patriot card’s exceptional 24/7/365 worldwide customer service. Unlike most other debit cards, the Patriot card offers cardholders cash-back rewards! Finally, a portion of every purchase using the Patriot card funds organizations that support Veterans.
What kind of customer service does the Patriot card provide?
MOCA offers Patriot cardholders a 24/7 dedicated personalized customer service team. MOCA can be reached by email at support@mocapay.com or by phone: (888) 504-0546.
Patriot Card Fees
What fees do I not have to worry about with the Patriot card?
Patriot cardholders never pay fees for:
- Overdrafts
- Cash back
- Transfers to or from other bank accounts
- Purchases
- ATM withdrawals4
What fees does the Patriot card charge?
Fees may be charged for:
- Card-to-card transfers
- Putting cash on your Patriot card at a Visa® Readylink3 location
- ATM owner (bank or financial company) may charge a transaction fee
How to Use the Patriot card
Can I use my Patriot card like a debit card?
Yes. The Patriot card is a type of payment card that allows you to load funds onto it in advance, using multiple funding sources such as direct deposit, transferring money from a bank account, card-to-card transfers4, or by depositing cash at a participating Visa® Readylink3 location. Although the Patriot card is not linked to a checking account like a traditional debit card, it can be used for purchases, online transactions, and ATM withdrawals3 just like a regular debit card. The Patriot card has a routing number and an account number, like a checking account, and can also be used for bill pay and direct deposit. The Patriot card can be used everywhere Visa® or AFFN® is accepted.
Can I pay my bills using my Patriot card?
Yes. The Patriot card has a routing number and an account number, like a checking account, and can be used for bill pay and direct deposit. To find your Patriot card routing and account numbers go to your MOCA-Pay app, choose “Details,” on your main account and then click on “Account Info.”
Can I use my Patriot card to receive direct deposit payments?
Yes. Cardholders can direct deposit government benefits or regular paychecks to the card; the app’s automated direct deposit management feature makes switching direct deposits easy. You can also use the app to conveniently move money on and off the card via card-to-card4 or bank transfers, and even deposit cash at over 60,000 Visa® Readylink3 locations.
How do I put money on my Patriot card?
There are many ways to put funds on your Patriot card.
- Direct deposit
- Transferring money from a bank account
- Card-to-card4
- Deposit cash at any of 60,000 Visa® Readylink3 locations
What ATMs will accept my Patriot card?
You can use your Patriot card at ATMs that accept Visa® or AFFN®. The Patriot card does not charge fees to cardholders for ATM or other transactions; however, ATM financial institutions/companies may charge fees3. You can also get cash back at many retailers when using the Patriot card to make a purchase. There are no fees for cash back with purchases.
Does it matter where I currently bank?
No. Anyone can sign up for the Patriot card regardless of where you bank or even if you don’t have a bank account.
How do I use my Patriot card like a bank account or with Venmo?
The Patriot card has a routing number and an account number, like a checking account, and can be used for bill pay and direct deposit. For example, in Venmo, choose “Peoples State Bank” as the financial institution and enter your Patriot card routing number and account number. To find your Patriot card routing and account numbers go to your MOCA-Pay app, choose “Details,” on your main account and then click on “Account Info”.
Who do I contact if I suspect fraud on my Patriot card?
Turn your card off in your app and contact MOCA. The MOCA email address is support@mocapay.com and our support phone number is (888) 504-0546.
Who created the Patriot card?
Who created the Patriot card and why?
The Patriot card was developed by MOCA Financial, Inc. (MOCA) in collaboration with the Association of Military Banks of America (AMBA).
MOCA is a financial technology company, not a bank. Banking services are provided by Peoples State Bank, Shepherd, Texas – Member FDIC.
The Patriot card is powered by the Visa® network and the Armed Forces Financial Network® (AFFN®).
The Patriot card was developed by MOCA and AMBA to address difficulties Veterans experienced accessing their government benefits using other debit cards.
Even though the Patriot card was built with Veterans in mind, anyone can get one.
How is the Patriot card program financed?
MOCA Financial, Inc., a financial technology company, Peoples State Bank, and the Association of Military Banks of America support the Patriot card using the interchange fees merchants are charged on card transactions. Every time you use your Patriot card, Visa® or AFFN® processes the transaction and charges merchants an interchange fee for the service. A portion of the interchange proceeds are given to you as cash-back rewards and another portion is donated to military and Veteran programs.
Where are funds deposited on the Patriot card stored?
Funds deposited on all Patriot cards are held by and FDIC-insured through Peoples State Bank. The Patriot card was designed and is managed by MOCA Financial, Inc. (MOCA in collaboration with the Association of Military Banks of America (AMBA)
MOCA is a financial technology company, not a bank. Banking services are provided by Peoples State Bank, Shepherd, Texas – Member FDIC.
What is AFFN?
AFFN® is the Armed Forces Financial Network®. AFFN® is an electronic transfer network (EFT) providing network access to the U.S. military, Veteran, and civilian communities with ready access to their funds through ATM and POS terminals located at or near U.S. military bases worldwide. Find out more at www.AFFN.org.
How can I contact you if I have any questions?
MOCA can be reached by email or telephone. The MOCA email address is support@mocapay.com and our support phone number is (888) 504-0546.
Who do I contact if I suspect fraud on my Patriot card?
Turn your card off in your app and contact MOCA. The MOCA email address is support@mocapay.com and our support phone number is (888) 504-0546.
- The first physical card and all virtual cards are free. Fees may be charged for additional physical cards at the discretion of the issuing financial institution.
- We generally make these funds available on the day the payment file is received, which may be up to four days earlier than the payment date for government benefits and up to two days early for a regular paycheck.
- ATM financial institutions/companies and Visa® ReadyLink merchants may charge fees.
- Card-to-card transfers will incur fees.
