ð¡Have you received an invite code from MOD? You'll need that to get started with the enrollment process. If you haven't done so, make sure to join the waitlist for a chance to be selected and given an invite code!
Once you have been selected and received an invite code to enroll, you'll need to download MOD.
Ready? Let's get started!
What you'll need:
State-Issued ID (ex. Driver's license)
Paystub
Bank Account Login Info
Phone number
Email
Getting Started
Enter the invite code you received
On the login screen, select Get Started at the bottom
Create a Profile
Enter your first name and last name
Enter your email you wish to be associated with your MOD account
Enter a strong password
Your password must have at least 8 characters; including an uppercase and lowercase letter and a numerical and special character
Re-enter your password
Click Create profile
Enter the verification code sent to your email
Set Up a Profile
Enter your address
Enter your phone number
Enter your DOB (Date of Birth)
Enter your SSN (Social Security Number)
Mark once you have read the agreements
Click Next
Scan your state-issued ID
Front of your ID
Back of your ID
Selfie with your ID
Read over your information and then continue once you verify it is correct.
Link a Bank Account
Using Plaid, search for your bank and enter your login credentials. We currently do not offer the ability to manual link.
Employment Verification
Current Job
Are you Full-Time, Part-Time, Self-Employed, Student, or Unemployed?
What is your job title? This is the name of your position.
How long have you been with this company?
What is the name of the company?
Pay Period
How often do you get paid?
When is your next payday?
Current Job Location
What is the address of the company you work for?
Current Job Contact
What is the name of your supervisor?
What is your supervisor's phone number?
Paystub
Print out your most recent paystub and take a picture
âWhy does MOD ask this? Currently, MOD only accepts users who have Full-Time or Part-Time jobs. Self-Employed is currently not eligible with MOD.
Application Approval
The approval process is fairly quick. You should receive confirmation on your application status within 2-3 business hours.
Our office hours are 8:30AM-4:30PM (Central), Mon-Fri. Holidays may affect these hours.
Application Denied
When your application is denied, that is the indication that MOD was unable to extend credit at the time of your request. If you would like a statement of specific reasons as to why your application was denied, please contact us within 60 days of your denial date.
Application Approved
Congratulations! We are happy to have you on board. Let's continue with getting you set up.
Demographics *This part is optional and will NOT affect your application status*
What is your race?
What is your ethnicity?
What is your American Indian Code for your tribe? *Not Applicable is an option*
What is your veteran status?
Annual Income
What is your annual income?
Has a bank or Credit Union ever rejected your loan application?
Are you a female head of household?
Are you a female with dependants?
âSouthern Bancorp Bank is a Community Development Financial Institution (CDFI), as certified by the US Treasury. This data supports our commitment to compliance with the CDFI standards and promoting equality in lending practices.
Still having trouble?
Check out these articles on common trouble some onboarding users may experience. If you can't find what you are looking for or still would like help, please feel free to contact our support team. We are more than happy to help.