Family Banking Made Easy

Secure finances for kids and teens. No monthly fees.

Insured through Lewis & Clark Bank, Member FDIC.


Great banking is just the start

Everything you need, made fast, safe, and simple.

Bank account in minutes
Banking is not meant to be 
hard and confusing.
Reliable Debit Card
Works everywhere VISA is 
accepted. Use with Apple and
Google Pay.
Forget about fees
No monthly fees or minimum deposits.
24/7 customer support
Chat with real people. Also available in Spanish during business hours.
Up to 5% Cashback
Available in over 400 brands you 
know and love.
Transfer in seconds
Apple Pay, Google Pay, Debit card, Credit card and direct transfer.
Keeping your money secure
Funds protected for up to $250,000 through FDIC.
Control your finances
Track transactions in realtime 
and lock/unlock the card instantly.

More than just a card

Designed for teens and kids to grow

An app that empowers families to reach their full potential

Hassle free chores
Chores don’t have to be a pain. Manage allowance and tasks directly in the app.
Daily rewards
Take care of the cents and the dollars will take care of themselves. New rewards every day in the app.
Weekly challenges
New challenges every week with rewards for completing. Financial learning, reading and more.
Walk to earn
5000 steps keeps the doctors away. Teens can build healthy good habits while earning rewards for doing so.

Loved by families across the US

“This a good card for kids, I love it and they have challenges for kids to earn money so dope!!”

- Aliyah P.

“One of the best teen debit cards out there”

- Bradave

“The app has a great quality and it's a good learning tool for the teens”

- Unknownlover_9

“Very good app for teens”

- Magical-plane

“Ordered & deposit money to teach my grandson the value of a dollar”

- Belinda R.

“I love this guys they are way cool!!”

- Anastacia H.

“I have this for my son and love it”

- Andrea N.

“Modak is a great app to save money on, its kid friendly, and an app easily to navigate.”

- Chtrickey

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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 started in minutes, no fees required


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.