Security

Your money is protected at every layer

Encryption, biometric login, real-time fraud monitoring, and FDIC insurance. If something goes wrong, our fraud team is available 24/7.

Think your account is compromised?

Call us immediately at +1 (800) 555-0100 or report it below. We act on every report within minutes, 24 hours a day.

How we protect you

Multiple layers of defense, working together

Every account is protected by the same security stack, whether you have $5 or $5 million.

Every transmission between your device and our servers is encrypted with TLS 1.3.

Face ID and fingerprint support on every Modern Bank mobile app.

Every transaction is scored in real time. Suspicious activity is blocked before it clears.

Deposits are insured up to $250,000 per depositor, per ownership category.

Freeze, unfreeze, and set spending limits instantly from the app.

Real people, not a phone tree. Report fraud any hour and reach a specialist.

Report a problem

Time matters. The faster you report suspicious activity, the faster we can stop it. Here is what to do first.

Freeze your card in the Modern Bank app. Tap the card, then tap Freeze.
Call our fraud team at +1 (800) 555-0100. Available 24/7.
Change your password and enable two-factor authentication if you have not already.
Report it to us in writing using the secure message feature in your account.
File a report with the FTC at identitytheft.gov if your identity was compromised.

Phishing emails and texts that ask you to click a link or "verify" your account. We never ask for your password by email or text.
Impersonation calls from someone claiming to be Modern Bank. Hang up and call us at the number on this page.
Fake job offers or refunds that ask you to send money or share account details.
Unsolicited investment pitches promising guaranteed returns. If it sounds too good to be true, it is.

Call +1 (800) 555-0100 for immediate help, or use the secure message feature in your account.