Family banking with no monthly fees*

Debit card for kids and app for families

Open an account in minutes
debit card for kids and teens, app for families
$20 Sent to your kid
In seconds

FROM THE INVESTORS OF

$20 Sent to your kid
In seconds

The future should belong to everyone

We believe family banking with no monthly fees should be available to everyone. That’s why Modak offers a Visa® debit card¹ and financial app with no monthly fees*.

Money app for families

Feature packed, no monthly subscription*

A money app for families, debit card for kids and teens
For Parents

Assign and manage chores

Monitor spending

Create personalized savings goals

Multiple funding options: bank account, debit or credit card, Apple and Google Pay.

For kids & teens

Financial education and tips

Free shipping for your card

In-app reward point system²

Personalized Visa® debit card¹

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

Trusted by customers just like you

Great card!! My son is so happy and is more responsible with the chore money he earns now! Having this card is teaching him to be financially responsible.

- Heather W.

This app makes it so easy to manage your kid’s allowance, we’ve been using it for 1 year and it keeps improving!

- Bridger K.

I really like this app because you can learn while you're also earning 😁 10/10!!!

- Lamiyah H.

Great card!! My son is so happy and is more responsible with the chore money he earns now! Having this card is teaching him to be financially responsible.

- Heather W.

This app makes it so easy to manage your kid’s allowance, we’ve been using it for 1 year and it keeps improving!

- Bridger K.

I really like this app because you can learn while you're also earning 😁 10/10!!!

- Lamiyah H.

4.8 App Store Rating

Based on thousands of reviews as of June 24th, 2024

Open your account
in minutes

Get started

No minimum deposits or
monthly fees required.*

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

Seeking answers? FAQ to the rescue!

¿Puedo añadir mi tarjeta a Apple Pay o Google Pay?

¡Sí! No solo puedes pedir una tarjeta física, ¡sino que también puedes agregarla virtualmente a Apple Pay o Google Pay!

¿Cómo mantenemos segura y protegida la información personal confidencial?

Hemos implementado varias formas de proteger su información personal:

  • Cifrado: Toda la información confidencial se cifra en los protocolos estándar de tránsito.
  • Controles de acceso: El acceso a la información confidencial está restringido a un número limitado de personal autorizado, que está sujeto a verificaciones de antecedentes y monitoreo de seguridad continuo.
  • Políticas de protección de datos: Modak ha establecido políticas estrictas de protección de datos, incluidas políticas de retención y eliminación de datos, para garantizar que la información confidencial no se conserve durante más tiempo del necesario.
  • Cumplimiento: Modak se adhiere a las normas de seguridad y privacidad pertinentes, incluidas las impuestas por la Oficina de Protección Financiera del Consumidor (CFPB), para garantizar que la información confidencial se maneje de manera que cumpla con los más altos estándares de seguridad y privacidad.

‍

¿Qué edad debo tener para unirme a Modak?

Para inscribirte, debes tener entre 13 y 17 años. Tus padres o tutores serán los titulares de la cuenta y te permitirán usarla. Las cuentas para menores de 13 años estarán disponibles pronto.

¿Hay algún cargo?

No hay cargos ocultos asociados a Modak. No cobramos por abrir una tarjeta ni por la mayoría de nuestros servicios. Sin embargo, si necesitas servicios rápidos o premium, nuestra aplicación te los mostrará y te pedirá permiso antes de cobrar las tarifas. Si no, puede utilizar nuestros servicios regulares, que son la mayoría de nuestros servicios, ¡de forma gratuita!

See all FAQs

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

Modak is a financial technology company and not a FDIC-insured bank

Funds deposited into Checking 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.

App Store and Play Store ratings as of October 31st, 2024.

(*) Fees for expedited or premium services may apply. Find out more in our Cardholder agreement.
(1) Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.
(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 October 2024) 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 minimum balance requirement. This program does not accrue interest and (0.00% APY) applies.

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