The Financial

Revolution for Teens

Get the MoCard: credit-building and rewards for teens, all in one card.
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Build your credit history

Never be credit invisible, get ahead before turning 18. Save on car insurance, student loans and more.

Get up to 10% Cashback

Over 100,000 locations and 400 brands for you to get cashback with your Visa MoCard.

Financial learning and wellbeing with rewards

Master personal finances and good life habits while earning Mobucks (MBX). Redeem directly to cash or other rewards.

No required fees

No monthly fees and no overdraft fees.
No account minimums and no interest.
The MoCard just works for you. Really.

Stay safe and sound

24/7 support with real people. FDIC insurance up to $250k through Solid Bank Partners, Member FDIC.

Building for the next generation

Modak is a US-based fintech platform that empowers teens to reach their full potential regardless of their background. Teens and families are joining Modak, making it the fastest growing fintech across the US.

Led by Madhu Yalamarthi (Stanford MBA and ex-Venture Capitalist) and supported by GGV Capital, Monashees, Maya Capital, Nazca VC, One VC, and 30+ leading investors and entrepreneurs.

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 between 13 and 17 years old. Your parent or guardian will be the account holder, allowing you to use it. Accounts for those under 13 will be available soon.

Get your card today and start building your financial future


Modak is a financial technology company and not a bank.

Checking accounts and the Modak Visa Debit Cards are provided and issued by Lewis & Clark Bank, Member FDIC.

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

Accounts and Debit Cards are issued by Lewis & Clark Bank, Member FDIC.

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