A person holding a Modak card and a phone

Invest in your
family's future

Raise a financially smart child with the MoCard, a debit card with rewards on top.

Get the card in 5 minutes, no monthly fees.

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.

Modak Visa Card for kids and teens

Learn & earn
Learn & Earn: Teens and kids get rewarded for learning finances and keeping good habits. 
No required fees
No maintenance costs, or spending minimums.
Stay in control
Track their spendings. No more overdrafts or overspending!

“With the app, my daughter has been able to win very cool rewards, while I keep track of her spendings in real time!”

- Maria Smith

“Modak is a great app to save money on, it's kids friendly, and an app you can easily navigate. It teaches kids how to get ready for financial savings for future and can teach them how to be responsible with a credit card.”


“Ordered & deposited money to teach my grandson the value of dollar!!!”


“The app is great quality and its a good learning tool for the teens.”


Trusted by thousands of families


The MoCard makes it possible for your child to learn, earn and grow.

Kids and teens can start saving, earn while they learn, and understand how money works, all while you stay in control of their spending. 

Create your child’s account

1. Create your Parent Account

As with other financial services, we need some information from you for regulatory compliance

2. Create your Teen’s Account

Your kid or teen needs to be between 0 and 17 years old to get the Modak card.

3. Easy funding and secure spending

Easily load $ to your teen through multiple transfer options and have control over their spending

Helping thousands of families across the US

Get ahead of the game.
Request a MoCard in just five minutes!

Questions? We’ve got answers!

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.

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.

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.

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 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.

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.

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

LIMITED TIME! Get $10 on your first card funding!