Family Banking Made Easy

Secure finances for kids and teens. No monthly fees.¹

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.


Great banking is just the start

Everything you need, made fast, safe, and simple.

Bank account in minutes
Banking is not meant to be 
hard and confusing.
Reliable Debit Card
Works everywhere VISA is 
accepted. Use with Apple and
Google Pay.
Forget about fees
No monthly fees¹ or minimum deposits.
24/7 customer support
Chat with real people. Also available in Spanish during business hours.
Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.
Reward points you redeem to your card
Earn Mobucks doing fun challenges, redeem for $$
Transfer in seconds
Apple Pay, Google Pay, Debit card, Credit card and direct transfer.
Keeping your money secure
Your account's data is encrypted and secured with biometric measures
Control your finances
Track transactions in realtime and lock/unlock the card instantly.

More than just a card

Designed for teens and kids to grow

An app that empowers families to reach their full potential

Hassle free chores
Chores don’t have to be a pain. Manage allowance and tasks directly in the app.
Daily rewards
Take care of the cents and the dollars will take care of themselves. New rewards every day in the app.
Weekly challenges
New challenges every week with rewards for completing. Financial learning, reading and more.
Walk to earn
5000 steps keeps the doctors away. Teens can build healthy good habits while earning rewards for doing so.

Loved by families across the US

“Modak is a great app to save money on, its kid friendly, and an app easily to navigate.”

- Chtrickey

“I have this for my son and love it”

- Andrea N.

“Very good app for teens”

- Magical-plane

“Ordered & deposit money to teach my grandson the value of a dollar”

- Belinda R.

“This a good card for kids, I love it and they have challenges for kids to earn money so dope!!”

- Aliyah P.

“One of the best teen debit cards out there”

- Bradave

“The app has a great quality and it's a good learning tool for the teens”

- Unknownlover_9

“I love this guys they are way cool!!”

- Anastacia H.

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Seeking answers? FAQ to the rescue!

How does Modak keep sensitive personal info safe and secure?

We have implemented several ways to protect your personal information:

  • Encryption: All sensitive information is encrypted in transit standard protocols. 
  • Access controls: Access to sensitive information is restricted to a limited number of authorized personnel, who are subject to background checks and ongoing security monitoring.
  • Data protection policies: Modak has established strict data protection policies, including data retention and deletion policies, to ensure that sensitive information is not retained for longer than necessary.
  • Compliance: Modak adheres to relevant security and privacy regulations, including those imposed by the Consumer Financial Protection Bureau (CFPB), to ensure that sensitive information is handled in a manner that meets the highest standards of security and privacy.

Are there any fees?

There are no hidden fees associated with Modak. We don't charge for opening a card and most of our services. However, if you need expedited or premium services, our app will show you and ask for your permission before charging the fees. For example, we charge $0.50 for debit cards (and 3% extra for credit cards and Apple/Google Pay) when you load your kid’s modak card with your debit or credit cards. Do note that our normal ACH - funding via your other bank accounts - is free.

How old do I have to be to join Modak?

To sign up, you should be below 18 years old. Your parent or guardian will be the account holder, allowing you to use it.

Get started in minutes, no fees required


Modak is a financial technology company and not a FDIC-insured bank

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.

Funds deposited into Checking may be eligible for up to $250,000 of FDIC insurance.

The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.

App Store and Play Store ratings as of April 18, 2024.

1: Fees for expedited or premium services may apply. Find out more in our Cardholder agreement.

2: The savings goals feature is intended to assist you in planning and tracking your savings progress. It does not imply or guarantee any interest earning.

©2024 Modak Communities Operating Holdings Inc. All rights reserved.