Mos was inspired by the original rebel, Luke Skywalker, who came from the fictional desert town of Mos Espa (which is based on the real-life desert town of Tataouine, where our founder Amira Yahyaoui is from).

Mos is a money app on a mission to tear down all financial barriers to opportunity. Mos students get access to the largest scholarship pool in America and a personal advisor who helps you get free money for school and life. Plus, Mos lets you manage your money easily, access 50K ATMs, and send and receive money instantly.

Mos is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank N.A.; Member FDIC.

Absolutely. Your Mos account is insured up to $250,000 through our banking partner, Blue Ridge Bank N.A.; Member FDIC.

Every purchase you make with your Mos card is also protected by VISA’s Zero Liability Policy , which means you’ll never be responsible for charges you didn’t authorize. We’ve also built in bank-level security and data encryption to keep your personal info and account safe.

Of course! We welcome your feedback—the good and the bad—to make Mos better. Bring it on, we’re ready to listen. Start a chat with our team.

Want to get your paycheck instantly to your Mos account? We’ve got you! To set up direct deposit, log in to your employer's HR profile and enter your Mos routing and account numbers, bank name, and account type. Pro tip—you can find this in the profile tab → Set up direct deposit.

Points are rewards you earn by using Mos! We want to help you earn more money, so we reward you for the things you already do.
Right now you can redeem your points for cash back, but we plan to add other rewards soon—stay tuned!

You can earn points by completing actions in app. Look for the points icon throughout the app for hints at which actions can earn you points! There may even be additional actions in the app that may not have the points icon but still earn points—happy hunting!
You can also earn points for making certain types of purchases. You can see the specific promos that are live at the bottom of the rewards tab.

We reward you with points instead of straight cash back because we plan on adding new ways to spend your points in the future. Soon, you’ll be able to redeem points for other things to help you earn more money!

Not all of your purchases will earn points. You will earn points on purchases that take place in your favorite category. By default, it’s Food & Drink but you can pick a different category if you choose!

Yes! Once you pick a category as your favorite, you can earn points on all purchases in that category for 30 days. After 30 days, you can select a new favorite category if you’d like.
Once you’ve selected a new favorite category, you’ll need to wait another 30 days before you can change your new favorite category again.

We set these categories to cover typical areas of spend so that you can maximize your points. We’ve tried to make the categories as broad as possible so that you can points for your everyday spending.

The merchant that you shopped at did not fall within your favorite category, even though the items you purchased technically did.
If you want to change your favorite category to the one for that merchant, you’ll be able to do so in 30 days or less - check your rewards tab to see when you’ll be able to pick a new favorite category!

First, you’ll need to earn enough points to unlock cash back. You can see how many points you have and how many you need to earn on the rewards tab.
Once you’ve earned enough points to unlock cash back, you can slide the slider to select how much cash back you want. You can redeem some or all of the points you have for cash back.

We want to encourage you to check out the Mos app and discover the different ways to earn points. Once you find all those points opportunities in the app, you’ll be able to unlock cash back in no time!

Nope! Once you’ve earned enough points to unlock cash back, you can redeem your points for cash back anytime you have points.

Not at all—you’ll automatically earn points for purchases or actions in the app once you’ve completed them.

Points will typically be pending if they’re related to purchases that are still pending. Once the purchase is final, your points will be final and settled into your account too.

Nothing! Your points will never expire, so feel free to save them up or use them however you like.

Redeeming cash back is immediate - once you complete the request, the cash will be deposited into your bank account and your points balance will be updated. At this time, you cannot return or cancel a points redemption.
If you think that a redemption has been made fraudulently, please contact Customer Support in app and we’ll look into it.

Yup! As long as the store or merchant falls within your favorite category, you’ll earn points, regardless of if you’re shopping online or in-store.

You can check your points history by tapping the clock icon on the rewards tab. This will show you how many points you earned for each event.

Point-earning events may change in the future. Be sure to check the rewards tab to stay up to date on all the ways you can earn points!

Yes! If that store or merchant falls within the category you selected as your favorite, you’ll earn 100 points for every dollar you spend.

Every store has a merchant code, or “MCC.” We’ve grouped these MCCs into broader categories, and those are what you see in the app.

You can only redeem points when your account is in an active status - if it is frozen, you are ineligible to redeem your points for cash back. Please reach out to Customer Support in the app and they can look into your account.

We’ll ship your Mos card as soon as you create your account and order your card. It ships via USPS and should arrive within 7-10 business days. In the meantime, you can add your digital card to Apple Pay and Google Pay to start spending right away!

You can withdraw money from any ATM in the Allpoint network for free—that's over 50K ATMs nationwide! You can deposit cash at any Allpoint+ ATM. You can find Allpoint ATMs near you using this map.
You can also withdraw money from ATMs that are outside the Allpoint network, but you may be charged a small fee by the other ATM provider.

We want to make sure your card is extra secure, so you’ll set up a PIN for your account. Once you activate your card, you’ll be asked to choose your PIN.
If you forget your PIN or need to change it, you can contact Mos Card Services 24/7 at 1(833)333-0417 to get assistance to do so.

Don’t worry—refunds can take up to 5-7 business days to process and be returned to your account, depending on the merchant or store that’s sending you the refund.

Some merchants will pre-authorize a larger amount to verify funds on your account, especially if the final transaction amount is undecided at the time of purchase. This usually happens for gas purchases or mobility apps (i.e. Uber, Lyft). But don’t worry, the hold will be released in up to 5 business days once the final amount is processed.

The Mos card comes with Visa’s Advanced Authorization and Fraud Protection.
The Advanced Authorization provides real-time fraud detection and can deny a transaction at the point of sale if it is deemed too risky.
The Fraud Protection team will reach out to you if we notice any suspicious or unusual behavior. And, you can reach our Fraud Call Center 24/7 at 1(833)333-0417—we’re always looking out for you.

Definitely—your deposits are insured up to $250,000 with our partner, Blue Ridge Bank, N.A.; Member FDIC.

If you’ve lost your card or think it’s been stolen or compromised, you can turn off transactions from within the Mos app! Go to profile → my cards→ tap your physical card → toggle allow transactions off. When transactions are turned off, you won’t be able to make any purchases using your physical Mos card.

If you notice any unusual activity or charges you don’t recognize, contact our Claims Support Department at 1(833)333-0417 immediately. One of our team members will work with you to confirm your activity.
In the meantime, you can turn off transactions in the app to block any future transactions with your physical Mos card.
If our support team does find that fraud has occurred, we will block the card and you can request for a new one to be sent. Any unauthorized transactions that weren’t already declined will be disputed so you won’t have to pay for something you didn’t purchase.

Don’t you just hate when that happens? No worries, we can help navigate through some options.
If you’re able to communicate with the merchant directly and have them investigate as to why you were charged incorrectly, then that would be our best recommendation. More times than not, they can identify the discrepancy and correct the amount charged for you. However, sometimes it isn’t as easy, which is why we’re here to help. You can give our Claims Support Department a call at 1(833)333-0417 to file the proper claim to investigate the incorrect charge amount. We are available 24 hours a day, 7 days a week to assist you!