There are no fees associated with opening the account.

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

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

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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.

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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.

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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.

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Follow these instructions to activate the physical card:

• Sign in to your Modak account using your login credentials.
• 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.

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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.

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Yes, closing your account with Modak has a negative impact on your credit history. This is primarily because roughly 10% of the score is influenced by the number of accounts you have. As a teenager, your other factors such as payment history, credit utilization, etc., aren't fully formed. Hence, small changes in the number of accounts often lead to a negative but temporary impact on the credit score, especially for younger and new to credit users

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Absolutely! Anywhere Visa cards are 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.

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. 

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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.

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• 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.

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