Scratch 'em All is a feature in the Modak kid app where each purchase made with a MoCard unlocks a digital scratch. Scratching it reveals a variety of educational rewards like MBX(2), financial tips, or small tokens.
To participate, simply make a purchase with your MoCard, and you'll unlock a scratch in the Modak kid app. Additionally, you can receive one free scratch every 24 hours just for logging in. No purchase is necessary to receive the daily scratch.
No, Scratch 'em All is exclusive to the Modak kid app. This feature is designed to help kids and teens learn about financial responsibility in a fun and engaging way. It encourages the exploration of financial tips and the monitoring of transactions as part of developing financial independence.
Children and teens under 18 who hold a MoCard are eligible to participate. Teens aged 13 to 17 who do not have a Modak bank account can still earn daily scratches in the kid app. However, to unlock purchase-based scratch and redeem MBX to dollars, a Modak bank account opened by a parent or guardian is required. The Promotion is only open to legal residents of the United States and is void where prohibited by law. Employees of Modak (the “Sponsor”) their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Promotion.
Rewards include MBX (Modak currency points), educational financial tips, and fun digital tokens like pet photos. The chances of winning more valuable rewards, such as electronics, are extremely limited and subject to availability. For instance, the probability of winning AirPods is 2% for purchases totaling over $100 with the MoCard, subject to availability.Availability of valuable rewards like AirPods may vary during promotional periods.
You will receive one scratch for each purchase made with your MoCard. Additionally, a free daily scratch is available every 24 hours, regardless of purchase activity.
No minimum spend is required to unlock a scratch. Scratches are issued for every purchase made with the MoCard, regardless of the amount spent. Any changes to this policy will be communicated in advance, and the Terms & Conditions will be updated accordingly.
Yes, scratches do have an expiration period. Purchase-based scratches expire 7 calendar days after the related purchase, and daily scratches expire at 11:59 PM each day, based on your timezone. Be sure to use them before they expire!
If you win a high-value reward, such as AirPods, we will contact you via the email used for your account registration to confirm your shipping details. To avoid forfeiting your reward, please ensure your contact information is current and respond within 2 business days of our email. You can also reach out through the in-app chat to arrange delivery. Ensure your contact information is current to avoid any delays. Note that winning a high-value reward is subject to verifying your identity and meeting any applicable eligibility requirements.
There is no limit to the number of scratch cards you can earn through purchases. Every purchase with your MoCard generates a scratch card. Please note that we reserve the right to close or modify the Scratch 'Em All feature at any time.
If a scratch card expires before it is used, the reward will be forfeited, but the scratch card will still appear in your app history as an expired opportunity.
