Funding made effortless

We simplify how parents top-up accounts and how teens get paid.*

Open an account in minutes

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

Pay with Bank Transfer

Up to 5 days

Pay using a Credit Card

In seconds

Pay using your balance

In seconds

For Parents

Top-up their account

Your balance

Transfer in seconds using your Modak Balance.

Bank Transfer

Link your bank account for direct and secure transfers.

Debit Card

Use your debit card to instantly add funds with ease.

Credit Card

Enjoy the flexibility of adding funds using your credit card.

Fees for expedited or premium services may apply. Find out more in our Cardholder agreement.

Fees may be different from the image*

For kids & teens

Ways for kids to get paid

Custom Payment Link

Transfer in seconds using your Modak Balance.

Direct Deposit

Link your bank account for direct and secure transfers.

Protect your information

Use your debit card to instantly add funds with ease.

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.

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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.

Funding made effortless