Need some support asking your parents for a Modak account?

Here’s a practice script to use

Start with the basics

Hey, Mom/Dad, I found a debit card for teens I am interested in, it’s called Modak!

Share the safety features

Their partner bank is FDIC insured, there are no monthly fees, and it's a VISA card.

What’s in it for them

There's a parent app where you can keep track of my spending. It lets you add money to my account, assign me chores, and set limits on where I can shop.

Why do you want it?

The MoCard comes with an app where I can learn financial literacy. They encourage me to be healthy and make good choices by offering rewards points I can change to dollars, and I even get cashback on some purchases.

Social proof

Other parents are loving Modak because it's a great app for teens and kids to dive into the world of finance. Parents are all about managing chores and allowances in the app. Check it out here:

The big ask

Will you take 5 minutes right now to sign me up? There's 24/7 customer service who can help us if we need it.

Copy everything

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 below 17 years old. Your parent or guardian will be the account holder, allowing you to use it.

Get started in minutes, no fees required


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.