Seeking answers? FAQ to the rescue!

Account management

Can I create a Modak account outside of the US?

Right now, your US-based secured credit 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!

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.

Why do you need my social security number (SSN)?

At Modak, keeping you safe is our top priority. If you want us to help you build your credit, we'll need to collect your Social Security Number for identification purposes.

How old do I have to be to join Modak?

You have to be between 13 to 19 years old.

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Modak is not a bank. Banking services are provided by Solid Financial Technologies, Inc. and its banking partners, Members FDIC.

FDIC insurance coverage protects depositors' money in case of bank failure, providing peace of mind and financial security. The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

Cashback is offered through the Solid Fintech Program Rewards powered by Dosh on qualifying purchases at participating merchants and on any other eligible transactions described in our User Agreement. For the current list of participating merchants and offers, please check the Modak Makers app. Participating merchants and offer terms may be changed from time to time without notice.