Despite earning enough money to cover their essential bills, over 50% of Americans consistently struggle to pay on-time each month, leading to unnecessary stress, fees, and barriers to credit. This happens because their cash is spread across a complex, disconnected, and hidden network of banks, apps, and people, leaving them without the cash they need, when they need it most. Modern is on a mission to build the Financial OS for hard-working Americans so they never miss another bill. Through an end-to-end bill pay platform, powered by Modern Bill Protect, Modern provides an intelligent card and instant access to affordable cash and support needed to pay bills on-time every month. *Modern is a financial technology company, not a bank. Banking services provided by Lewis & Clark Bank; Member FDIC. The Modern Debit Card is issued by Lewis & Clark Bank, Member Bank, FDIC, pursuant to a license from Mastercard.