Association of Military Banks of America

Patriot Card presented by AMBA

The PATRIOT CARD is a “smart” debit card built by MOCA and AMBA to help Service Members, Veterans, and their families – our Nation’s Patriots – manage their finances through all the unique challenges they face.

A Debit Card Made for Veterans

Convenience, Security, and Unlimited Cash-Back Rewards

  • Have a bank right in your wallet!
  • Control card on desktop or mobile app
  • Government Benefits are deposited directly to your MOCA Card up to 4 days early
  • Get regular paychecks up to 2 days early with Direct Deposit*
  • Deposit money to your card via direct deposit, another card, bank transfers, a check with your mobile device, or over 60,000 Visa® ReadyLink locations
  • Use your MOCA Card everywhere Visa is accepted worldwide, including ATMs
  • Funds are FDIC-insured

Do you want a better, faster, safer way to get your benefits?

  • Get government benefits up to 4 days early with direct deposit
  • Regular paycheck up to 2 days early*
  • Customized fraud alerts
  • Instant card on/off option
  • Real-time transaction alerts
  • Deposit a check with your mobile device

Would you like unlimited cash-back, rewards and, & no overdraft?

  • Cash-back rewards earned with every purchase
  • Double reward with at least 10 purchases per month
  • Redeem for cash anytime
  • No overdraft fees – ever!

Do you want to deposit funds to your card in multiple ways and from multiple sources?

  • Direct deposit
  • Bank transfer
  • Card to card
  • Cash at over 60,000+ Visa® ReadyLink locations

Do you want to issue a card that you can monitor and control? (Great for caregivers!)

  • Self-issue a physical or virtual cards
  • Monitor card with real-time transaction alerts
  • Apply card controls
  • Control when, where, and how it is used

*Pay that is directly deposited to the Patriot card, outside of government benefits, can be available up to 2 days in advance.

Disclaimer text hold

To learn more about MOCA Financial, please visit their website at