Seeking answers? FAQ to the rescue!

Getting started

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.

Why do I need a cellphone to create an account?

This is because the bank needs to make sure it's really you who's opening the account. If anything looks fishy with your account, they can use your phone number to reach you and check that everything is okay. They may also send you a code to confirm it's you when you log in or make a transaction. All of this helps keep your money safe and secure.

Can I create a Modak account outside of the US?

Right now, your US-based card can be used anywhere in the world where Visa cards are accepted. For example, if you are an American traveling internationally, you can use your Modak card anywhere!

About Modak

What is Modak?

Modak is a US-based platform leveraging the power of fintech, gamification, and community to empower kids to reach their full potential. We are founded with an audacious vision to enable kids and young adults to reach their full potential, regardless of their background. We pursue this mission by offering a gamified fintech and learning ecosystem - with teen cards, financial literacy, and other services. We build for scale and security using the best technologies and enrich the user experience with a thriving community that supports each other. Modak is trusted by over 30,000 families and growing by the day. We are one of the most well-funded early-stage startups, and we are grateful for the 5+ years of runway we have even in this market. Our investors include GGV Capital ($9.2Billion VC firm), Monashees, Maya Capital, Nazca VC, One VC, and 30+ leading angel investors and entrepreneurs across Silicon Valley and Latin America.

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 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.

What is the MoCard account for?

A MoCard is a card through which you can spend your money, and earn/spend rewards points (Mobucks) for healthy behaviors. Parents can fund the MoCard account, and these funds can be used to set limits on the spendings. This means parents have the ability to guide and monitor their teen's spending while teaching them financial responsibility.

How do I know Modak is safe?

Modak blocks unsafe spending categories, offers real-time transaction tracking and monitoring, and allows instant card lock/unlock. Data is encrypted and secured with biometrics. Modak complies with CFPB regulations to ensure high security and privacy standards. Moreover, your checking accounts and debit cards are issued by Lewis & Clark Bank, Member FDIC.

How can I delete the Modak account?

  • Open the Modak app on your device.
  • ​​On the top left corner of the screen, you will find a person icon button representing your profile. Tap on that button.
  • The next screen will display your profile information. Look for a (?) button located next to your full name on the right side. Tap on that button.
  • A new screen will appear, presenting you with two options. Choose the option that says "Delete my account" and tap on it.
  • A confirmation screen will be displayed, ensuring that you want to proceed with deleting your account. Look for the red button labeled "Delete account forever" and tap on it.
  • Your account will now be permanently deleted from the Modak app's system.
  • It's important to remember that deleting your account is an irreversible action, meaning that it cannot be undone.

By following these revised steps, you'll have a clearer and more concise process for deleting your account on the Modak app.

Disclaimer: We will securely delete or render irretrievable all your information and card data that is no longer necessary for the purposes for which it was collected. All backup data will be subject to the same retention and deletion policies as outlined in our T&C.

How does Modak make money?

Modak makes revenues from the interchange fees that Visa charges merchants for processing the transaction. Modak uses that revenue to offer MoCard and other services to our customers. Moreover, Modak generate revenue from our partnerships with brands on merchant offers.

About the card

How much does it cost to open a MoCard?

There are no fees associated with opening the account.

What can I do with the MoCard?

Use your card to spend money, whether it's in a store or online!

What documents do I need to get the MoCard?

We will need to submit your parents information to the bank partner to open an account on your behalf This includes:

  •  A government-issued photo ID, such as a driver's license or passport
  • Proof of address, such as a utility bill or bank statement
  • Social Security Number (SSN) 
  • Personal email address
  • Phone number

How can I create an account?

If you are a teen please follow these instructions

  • Open the Modak app on your device.
  • On the top of the screen, you will see a green button labeled "Get Card". Click on this button.
  • The next screen will prompt you to invite your parent or guardian to create an account. Click on "Continue" and fill out your parent/guardian's phone number.
  • Once you have entered their phone number, you will be presented with two options:
  • Option 1: Complete your parent/guardian's information on their behalf. You will need to provide their name, email address, and date of birth.
  • Option 2: Wait for your parent/guardian to complete the information by themselves once they receive your invitation to create an account.
  • Once your parent or guardian has completed the account registration process, they will be able to link their bank account and fund your card.

To complete the registration process, you will need to gather the following information about the parent or guardian: their full name, email address, phone number, date of birth, and physical address for shipping the card. Please ensure that you have all of this information readily available before proceeding with the registration process.

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If you are a parent or guardian please follow this instruction:

  • If you received a message from Modak, open your messages app.
  • Click on the link provided in the message to redirect to the Modak website.
  • Once on the Modak website, click on the green button labeled "Tell Me More" and then click on "Get Started".
  • You will be prompted to create an account. To complete the registration process, you will need to provide the following information: full name, email address, and phone number.
  • After registering, you will receive a verification code sent to your phone. Enter the verification code to proceed.
  • Continue filling out your personal information. To complete the registration process, you will need to provide the following information: date of birth, Social Security Number (SSN), passport number (if applicable), and physical address for shipping the card.
  • Once your information is complete, you will be prompted to provide information for the teen's account, including their full name and optionally their SSN.
  • If all required information is complete, the next screen will allow you to request a physical card. Click on the "Request Card" button to proceed.
  • You will be redirected to the parent's portal to complete the card ordering process.

Why can't I verify my identity?

At Modak, we take identity verification very seriously. That's why we partner with a trusted third-party provider called Persona to ensure that all user identities are verified securely. However, if you have trouble verifying your identity, please don't hesitate to contact our customer support team for assistance. We're here to help you every step of the way.

How can I activate my MoCard?

Follow these instructions to activate the physical card:

  • Sign in to your Teen Modak account using your login credentials. (Use the phone app). In case you have not yet downloaded the app you can download it here https://www.modakmakers.com/register/teen
  • Once logged in, at the top of the banking screen, you will see a green button labeled "Activate". Click on this button.
  • You will be prompted to enter the last 4 digits of your card number. Enter this information and click "Continue".
  • Next, enter the expiration date of your card in the format MM/YY and click "Continue".
  • Review the information you have entered to ensure that it is correct, and then click on the "Activate Now" button to complete the activation process.
  • Your Modak card is now fully activated and ready to use.


  • The virtual card will be activated automatically when issued.

How can I block my MoCard?

Parent Portal

  • Sign in to your Modak account using your login credentials.
  • Click on “manage Card”, then select to lock the physical and or virtual card. 
  • You will receive a confirmation pop-up. If you agree click on Lock the card. 
  • You can unlock the card/s anytime to make purchases again
  • To unlock your card/s, navigate back to the "manage card" section of your account and select the option to unlock the card/s that you want to use again.

Teens app

  • Open the Modak app on your device.
  • Sign in using your login credentials.
  • Click on the “manage card” section at the top (Card Icon) 
  • You will pass over ID verification set on your mobile device. 
  • Once verified you will be able to click on the corresponding card you may want to lock, physical or virtual. 
  • Select the card and then you will receive a confirmation pop-up at the bottom. 
  • You can unlock the card/s anytime to make purchases again. 
  • To unlock your card/s, navigate back to the "manage card" section of your account and select the option to unlock the card/s that you want to use again.

Can I use MoCard internationally?

Absolutely! Anywhere Visa cards are accepted.

Where is the card accepted?

You can use your MoCard anywhere that accepts Visa as a form of payment. This includes stores, online retailers, and businesses that accept card payments.

Why didn’t I receive the MoCard?

There are several reasons why you did not receive it: 

  • Incorrect address: If the address provided is incorrect or outdated, the card may be delivered to the wrong location or returned.
  • Address issue: If the address is not recognized by the delivery service, the card may be delayed or returned.
  • Delivery problems: The card may be lost or delayed in transit due to issues with the delivery service, such as inclement weather or transportation delays.
  • Hold-up at the post office: If the post office holds the package for some reason, it may delay the delivery of the card.
  • Fraud protection: In some cases, we may hold the card for additional security checks, which may delay the delivery.

It's important to regularly check the status of your card on the app. If you need further assistance please contact Customer Service. 

How can I track my MoCard shipping?

Please follow these instructions:

  • Open the Modak mobile app and sign in to your account.
  • At the top of the app screen, you will see a green button labeled "Track Status". Click on this button.
  • On the "Track Status" screen, you will be able to view the following information about your order:

a. Shipping address

b. Estimated Time of Arrival (ETA)

c. Delivery status

d. Delivery partner

e. Tracking number

f. Link to track your shipping

  • Review the information provided to track the status of your order and determine when it will be delivered.

If you have any questions or concerns about your order, you can contact Modak customer support for assistance.

How can I view my transaction history?

  • On your phone sign in at Modak app
  • On the first screen you have go to your wallet icon (You find in at the right bottom) 
  • Once there you will be able to check your balance at the top left and all transactions listed below.  
  • If you need further information about a specific transaction you can click on it.

How much are the International fees for using the card out of the US?

When the card is used internationally, the Visa exchange rate is used to convert the transaction amount into USD. This exchange rate from Visa will be marked up by Visa. Other than this, there won’t be any fees charged to the cardholder at the time of the transaction.


Do I have to pay for the card monthly?

No, The MoCard doesn't have a payment deadline. The amount you deposit is the amount you can use and is debited to the card limit immediately.

Can I spend more than what I have in my checking account?

As the MoCard uses only the funds deposited, if you try to spend more than you have deposited, the payment will not go through.

How can I do a direct deposit?

  • Open your teen application and locate the banking icon located at the bottom right corner.
  • Tap on the Direct Deposit icon within the banking section. This action will redirect you to a page displaying your account and routing numbers.
  • Take note of this information, as you can easily copy it for future reference or to share it as needed.


Can the MoCard be used on ATM?

The MoCard is currently designed for making purchases at physical stores and online for virtual transactions. However, we're excited to let you know that we have plans to introduce an ATM feature in the near future! Stay tuned for updates.

Fund the card

Are we able to put money on it or do we have to earn it?

You will be able to fund it in multiple ways such as by ACH, debit pull, through direct deposit, and even with your MBX ™

How do I send money to the card?

  • Go to https://app.modakmakers.com/parents and log in using your phone number. You will receive a verification code to confirm your login.
  • Once logged in, you will be directed to the home page. Here, you will see the "Teen's Wallet" section and a "Send $" button to fund the teen's card. Click on the "Send $" button.
  • On the next page, you will see three options  "My account", "Fast Transfer", "Normal Transfer". In this last option you can choose between “Add a Bank account", and "Make a direct deposit"  Click on the option that best suits you.  
  • If you selected “My account” you will be redirected to pick an amount screen based on your current parent balance. Type the amount and click on the next button. 
  • If you selected "Fast Transfer" you will be redirected to pick an amount screen and then directly to Checkout platform to finish the transaction. With this option you can use debit or credit cards to fund the parent and or teen account.
  • If you selected "Normal Transfer” you will be redirected to a screen where you can choose between two options. 
  • "Add a Bank account" you will be redirected to a PLAID agreement page where you will need to follow the prompts to authorize the linking of your bank account. Once completed, your account will be linked to the Modak platform. To fund the teen's account, go back to the "Send $" button and enter the amount you wish to send. Choose between Standard or Priority transfer, review your transaction information, and click "Confirm and Send."
  • "Make a direct deposit” you will be redirected to choose your bank to be able to send money directly to the teen account using your bank's own platform. 

Anytime you want to check the movements on your teen's account, you can click on top of any transaction to see more details.

How do you deposit funds?

You can deposit funds onto the Modak card in several ways:

  • Link a bank account: Transfer funds directly from your bank account (ACH transfer).
  • Direct Deposit: Set up direct deposits from your paycheck (ACH transfer).
  • Debit/Credit Card: Load funds using your debit or credit card.
  • Apple/Google Pay: Load funds using your wallets.
  • MBX Points: Convert reward points earned through our app into USD.

Please note that while transfers using a linked bank account and direct deposits are free, using a debit or credit card may incur a small fee of $0.50 + 3% of the transaction value.

Remember that using Fast transfer, you will get the money in seconds!

Account management

How do I activate the Mocard?

Follow these instructions to activate the physical card:

  • Sign in to your Teen Modak account using your login credentials. (Use the phone app). In case you have not yet downloaded the app you can download it here https://www.modakmakers.com/register/teen
  • Once logged in, at the top of the banking screen, you will see a green button labeled "Activate". Click on this button.
  • You will be prompted to enter the last 4 digits of your card number. Enter this information and click "Continue".
  • Next, enter the expiration date of your card in the format MM/YY and click "Continue".
  • Review the information you have entered to ensure that it is correct, and then click on the "Activate Now" button to complete the activation process.
  • Your Modak card is now fully activated and ready to use.


  • The virtual card will be activated automatically when issued.

What happens if I can’t activate the physical card?

If you've attempted the task more than three times without success, we encourage you to reach out to our customer support team for assistance.

What happens if my phone gets stolen? Where to report and block my Modak account and card.

Parent Portal

  • Sign in to your Modak account https://app.modakmakers.com/parents using your login credentials.
  • Click on “manage Card”, then select to lock the physical and or virtual card. 
  • You will receive a confirmation pop-up. If you agree click on Lock the card. 
  • You can unlock the card/s anytime to make purchases again
  • To unlock your card/s, navigate back to the "manage card" section of your account and select the option to unlock the card/s that you want to use again.
  • Monitor your account: Regularly check your account activity to ensure that no unauthorized transactions have been made.
  • Update your contact information: If your phone number or address has changed please update it.

We recommend you to act quickly in case your card is lost or stolen to minimize the potential for fraudulent activity on your account.

How to block the account in case in case of lost, theft and or unusual activity?

Please follow these instructions:

Parent Portal

  • Sign in to your Modak account https://app.modakmakers.com/parents using your login credentials.
  • Click on “manage Card”, then select to lock the physical and or virtual card. 
  • You will receive a confirmation pop-up. If you agree click on Lock the card. 
  • You can unlock the card/s anytime to make purchases again
  • To unlock your card/s, navigate back to the "manage card" section of your account and select the option to unlock the card/s that you want to use again.
  • Monitor your account: Regularly check your account activity to ensure that no unauthorized transactions have been made.
  • Update your contact information: If your phone number or address has changed please update it.

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Teens app

  • Open the Modak app on your device.
  • Sign in using your login credentials.
  • Click on the “manage card” section at the top (Card Icon) 
  • You will pass over ID verification set on your mobile device. 
  • Once verified you will be able to click on the corresponding card you may want to lock, physical or virtual. 
  • Select the card and then you will receive a confirmation pop-up at the bottom. 
  • You can unlock the card/s anytime to make purchases again. 
  • To unlock your card/s, navigate back to the "manage card" section of your account and select the option to unlock the card/s that you want to use again.

We recommend you to act quickly in case your card is lost or stolen to minimize the potential for fraudulent activity on your account.

What happens when I turn 18?

For now, you can keep using your MoCard normally. In the future, we will enable a feature that allows you to ‘graduate’ your account from teen to adult!

I am 18, can I get the MoCard?

Not yet! We currently only have it enabled for teens under 18. However, this is in our plans for the future

How to set up the PIN number?

  • Open your teen app and select the "See virtual Card" option.
  • You'll be directed to the Card Management screen.
  • Click on the "Set up PIN" button located next to the virtual card information.
  • You'll be redirected to the biometrics identification page for added security.
  • Set a secure 4-digit PIN and click on "Continue."
  • Confirm your chosen PIN by retyping the same 4 digits and click "Continue" to proceed.
  • Congratulations! You've successfully set up your PIN. Your virtual card is now ready to use.

How do I change my PIN number?

  • Launch your teen app and choose the "See virtual Card" option.
  • Navigate to the Card Management screen after being redirected.
  • Click on the top of your virtual card information for quick access.
  • You'll be directed to the biometrics identification page for added security.
  • On the following screen, locate and select the "Change PIN" button.
  • Set a new secure 4-digit PIN and proceed by clicking on "Continue."
  • Confirm your newly chosen PIN by retyping the same 4 digits and click "Continue" to finalize the change.
  • Congratulations! You've successfully updated your PIN. Your virtual card is now secured with the new PIN.

For parents

How do I use the parent portal?

  • Go to https://app.modakmakers.com/parents and log in using your phone number. You will receive a verification code to confirm your login.
  • Once logged in, you will be directed to the home page. Here, you will see the children’s wallet, the option to request the physical card and the send button to fund the children card.

How do I fund my kid's account?

  • Go to https://app.modakmakers.com/parents and log in using your phone number. You will receive a verification code to confirm your login.
  • Once logged in, you will be directed to the home page. Here, you will see the "Kid's Wallet" section and a "Send $" button to fund the kid's card. Click on the "Send $" button.
  • On the next page, you will see four options  "Fast transfer", "Make a direct deposit", Add a Bank account", and "Add a Debit Card."  Click on the option that best suits you.  
  • If you selected "Fast transfer" you will be redirected to pick an amount screen and then directly to Checkout platform to finish the transaction. With this option you can use debit or credit cards to fund the parent and or kid account.
  • If you selected "Add a Bank account" you will be redirected to a PLAID agreement page where you will need to follow the prompts to authorize the linking of your bank account. Once completed, your account will be linked to the Modak platform. To fund the kid's account, go back to the "Send $" button and enter the amount you wish to send. Choose between Standard or Priority transfer, review your transaction information, and click "Confirm and Send."
  • If you selected “Add a Debit Card” you will see a new screen where you will have to add your debit card number, expiration date, and CVV. Once completed, your account will be linked to the Modak platform.
  • To fund the kid's account, go back to the "Send $" button and enter the amount you wish to send and click "Confirm and Send."
  • If you selected "Make a direct deposit” you will be redirected to choose your bank to be able to send money directly to the kid account using your bank's own platform. 

Anytime you want to check the movements on your kid's account, you can click on top of any transaction to see more details.

How can I add family members?

  • Go to https://app.modakmakers.com/parents and log in using your phone number. You will receive a verification code to confirm your login.
  • Once logged in, you will be directed to the home page. Here, you will see the "Teen's Account" section and a "Add teen" button > click there.
  • To complete the registration process, you will need to provide the following information about your teen: full name, email address, phone number, date of birth, and Social Security Number (SSN) (optional).
  • Once the information is complete the next screen will allow you to request a virtual card. Click on the "Request virtual Card" button to proceed.
  • You will be redirected to the parent's portal to complete the card ordering process.
  • Once the process is complete your teen will need to:
  • Download the Modak Makers app
  • Sign in with the teen’s phone number you registered
  • Voila! The teen will be able to see the MoCard on the mobile app.

Why do I need to create an account?

To ensure compliance with banking regulations in the United States, individuals under the age of 18 are required to obtain parental permission in order to acquire the MoCard. Consequently, if you have a teenager seeking to obtain a MoCard, it is necessary for you as parent or legal guardian to create an account on your behalf.

Why is a SSN required?

The requirement of providing a Social Security Number (SSN) when opening a bank account in the US is necessary to verify that person’s identity and ensure that they are the person they claim to be. It is a crucial step to prevent fraudulent activities and protect both the customer and the bank from potential risks. At Modak, the only required SSN is from the parent as they are they adult owner of the account.

Can I log in to the Parent Portal using a tablet or iPad?

Yes, you can use a browser on any device to log into the Parent Portal. You can click on this link, or type in the URL, and open it on any device https://app.modakmakers.com/parents

Referral program

How do I refer other friends or family?

To claim your $10 reward on the Modak Makers app, follow these simple steps:

1. Log in to the Modak Makers app.

2. Locate and click on the "Get $10" button located in the upper right corner of the screen.

3. After clicking the button, share the provided link with your friends and family.

When I will get paid for referrals?

You will get the reward in your Modak account within 1 business day after your friend successfully completes the process.

How much I can get for referring a friend?

You can get $10 for every friend who uses your code to sign up, requests a physical card, and spends at least $10 with their MoCard (virtual or physical).

How many referrals can I have?

Each account holder is limited to a maximum of 8 referrals under the Referral Program.

What does my friend need to do to be successfully referred?

They need to sign up using your code, request a physical card, and spend at least $10 with their MoCard (virtual or physical). Please note that transactions made using payment methods such as Cash App, Venmo, PayPal and other “Instant Money” services will not be considered eligible for the referral program.

Why didn’t I get my reward?

There are many possibilities.

  • Your friend didn’t use your code while signing up for Modak.
  • They did not request a physical card
  • They did not spend at least $10

They used payment methods such as Cash App, Venmo, PayPal and other “Instant Money” services to spend their $10

More help

Where can I find customer support?

Web:

  • Go to the Modak platform on your web browser https://www.modakmakers.com/support 
  • Look for the "Support" button located on the bottom right corner of your screen.
  • Click on the "Support" button to access customer support.

App:

  • Open the Modak app on your device.
  • Click on the yellow dialog icon located at the top right.
  • You will be directed to the customer support page.

Email:

If you prefer to contact customer support via email, you can send an email to hi@modakmakers.com

Our customer support team will respond to your email as soon as possible.

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.