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® o