Need help asking your parents for a Modak account?

Here’s a fun, easy-to-follow guide to start the convo with your parents. You’ll be one step closer to your own Modak account! 🎉

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.
📖The basics🔒Safety first👪 What’s In It for Them?💡 Why Do You Want It?🎙️ Social Proof🧑🏻💻 The Big Ask

Break the ice

Hey, Mom/Dad! I found this really cool debit card for teens—it’s called Modak! It’s safe, fun, and helps me learn how to manage my money.

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Show them it’s legit:

💳 It’s a VISA® card made especially for teens.

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

Make them feel in control:

📲 The parent app lets you see your spending in real-time, add money to your account in seconds and assign chores and set spending limits with ease.

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Share your excitement:

🧠 Modak helps me learn financial literacy with fun lessons in the app!
‍💰 I earn reward points I can turn into cash!

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Let them know Modak is parent-approved:

👨👩👧👦 Parents love how easy it is to manage chores, allowances, and track their kids' progress in the app.✨ “Modak combines functionality, ease of use, and community engagement, making it a reliable companion for work, study, or leisure.” - Apple Store Review
‍🔗 Learn more at: https://www.modakmakers.com/

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Make your request confidently:

🗣️ Will you take 5 minutes to sign me up? Modak has 24/7 customer service if we need any help!

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Seeking answers? FAQ to the rescue!

Can I add my card to Apple Pay or Google Pay?

Yes! Not only can you order a physical card, you can also add your card virtually to Apple Pay or Google Pay!

  • Log in to your account 
  • Go to the card section below in the middle
  • Then go to “Add to Apple/Google Wallet/”
  • Create the PIN for the virtual card, if you have already created the PIN use that one.

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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.

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

See all FAQs

Seeking answers? FAQ to the rescue!

Can I add my card to Apple Pay or Google Pay?

Yes! Not only can you order a physical card, you can also add your card virtually to Apple Pay or Google Pay!

  • Log in to your account 
  • Go to the card section below in the middle
  • Then go to “Add to Apple/Google Wallet/”
  • Create the PIN for the virtual card, if you have already created the PIN use that one.

‍

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

See all FAQs

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Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.

Modak is a financial technology company and not a FDIC insured financial institution.

Funds deposited into a Deposit Account 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.


(*) Fees for expedited or premium services may apply. See  for applicable fees.  Find out more in our Cardholder Agreement
(1) Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
(2) For more information about MBX, visit our MBX Policy.
(3) The savings goals feature is intended to assist you in planning and tracking your savings progress. It does not imply or guarantee any interest earning.
(4) For more information about this study, click here.
(5) Modak Scratch 'Em All feature Terms and Conditions apply.
(6) $6 Welcome bonus. Terms and conditions apply.
(7) The MBX Rewards Program allows all customers, whether they have a Card or not, to earn MBX through eligible activities such as completing challenges, using the walking feature, or making purchases. However, only customers with a Card can redeem MBX for monetary rewards. A minimum balance of 100 MBX (approximately $1.00 USD as of January 2025) is required for redemption, though the value is subject to change and not guaranteed; for details, visit MBX Policy. No minimum balance is required to open an account, and redemption of MBX into USD is processed instantly upon meeting the MBX minimum balance requirement. This program does not accrue interest and (0.00% Annual Percentage Yield (APY)) applies.
(**) Welcome Bonus and Referral program terms and conditions apply.
(8) Roblox Reward applies only after ordering the physical debit card and using the code ¨Roblox¨ during the sign up process. Learn more in the Terms and Conditions.
(9) The savings pocket is designed to help you manage your savings goals. A Modak boost is applied only to eligible funds. Terms and conditions apply.
(10) This review was sourced from the App Store, where customers voluntarily shared their experiences. Individual results may vary. This testimonial reflects the opinion of one customer and is not a guarantee of future performance. App Store ratings as of April 15th, 2025.

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