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Your character is your capital

Built with love.Served with purpose.

From Lagos & Brooklyn.

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Request an AI summary of Worth

Banking Services & FDIC Insurance: Worth® is a financial technology company, not a bank. Banking services and FDIC-insured deposit accounts are provided by Cross River Bank, N.A., Member FDIC. Deposits held in Worth accounts at Cross River Bank are FDIC-insured up to the standard insurance limit of $250,000 per depositor. For additional information about FDIC deposit insurance coverage, visit www.fdic.gov or contact the FDIC at 1-877-275-3342.

Card Fees & Terms: The Worth Card has no annual fees, but some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see your Cardholder Agreement and Deposit Account Agreement. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.

Credit Reporting & Score Impact: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Worth will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. Worth does not determine your credit score.

Financial Product Outcomes: Device financing and other financial products are offered based on your account history and payment behavior with Worth. Qualification and terms depend on your demonstrated financial responsibility with us. Financial product availability and terms are subject to change. Worth may modify qualification criteria, terms, or availability of products based on account performance and regulatory requirements.

Fair Lending & Non-Discrimination: Worth assesses financial reliability based on your actual banking behavior, payment patterns, and account management. Worth does not use the following factors in financial assessment or product qualification: race, color, religion, national origin, sex, marital status, age, protected veteran status, disability status, or receipt of public assistance. Worth regularly tests its assessment methods to ensure fair treatment across all customer groups. You have the right to request information about Worth's financial assessment practices and to dispute determinations you believe are inaccurate.

© 2026 Worth. All rights reserved.

How can we help you?

Find answers about banking, credit building, and wireless service. Our help center is here to make your financial journey clear and simple.

Popular articles

Start with what others are learning

Discovery & decision
3 min

Your character is your capital

How Worth sees your reliability when credit scores can't

Read article
Discovery & decision
2 min

You don't need good credit

You need recognition

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Getting started
5 min

30 days to recognition

How your banking activity builds credit

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Getting started
4 min

Your first payment matters

From invisible to recognized

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Find help for your journey stage

Whether you're just discovering Worth or maximizing what you have, we have guides for every step.

Discovery & decision

Is Worth right for me?

What you'll learn:

  • →Your character is your capital—here's how Worth recognizes it
  • →Starting without traditional credit: your path to financial recognition
  • →Banking features that work for everyone
  • →No hidden fees, no surprises
Learn more

Getting started

I'm ready to open my account

What you'll learn:

  • →Your first payment matters—from welcome to recognized
  • →30 days to recognition: how your banking activity builds credit
  • →Setting up direct deposit (the moment that changes everything)
  • →Identity verification explained
  • →Your first payment settings
Learn more

Building momentum

I'm using Worth. How do I maximize what I have?

What you'll learn:

  • →How to earn free wireless through reliability actions
  • →When you'll see credit reporting and what to expect
  • →Understanding your growing credit profile
  • →Maximizing your credit card benefits
  • →Setting up rent/utility reporting
Learn more

Turning reliability into opportunity

I'm building credit. What doors are opening?

What you'll learn:

  • →Your credit report and what it actually means
  • →Next financial opportunities you're unlocking
  • →Family coordination features for multi-generational decisions
  • →Referral rewards program and how to help others
  • →How to prepare for bigger financial moves
Learn more

Life changes

Something changed. How do I handle it?

What you'll learn:

  • →What if you miss a payment—and how to recover
  • →Changing jobs or life situations—and what happens to your account
  • →Account settings, security, and keeping your information safe
  • →Technical troubleshooting and getting help fast
  • →When and how to pause or close your account
Learn more

Something's not working

Let me fix this

What you'll learn:

  • →Why your payment was declined and how to fix it
  • →Your credit score went down—here's why and what to do
  • →Wireless service issues and network troubleshooting
  • →Account access problems and password recovery
  • →Direct contact info for immediate support
Learn more

Frequently asked questions

Quick answers to common questions

Yes. Your deposits are protected by FDIC insurance up to $250,000. Worth uses Cross River Bank, a trusted partner with FDIC backing. Your money is safe.
Worth doesn't reject based on credit scores. We look at your character and reliability. Most people are eligible. If something comes up, we'll explain what happened and what's next.
No. Banking is free. Wireless is $35/month after the free earning period. That's it. No surprises, no gotchas. We tell you everything upfront.
Yes. Worth is a financial technology platform partnered with Cross River Bank, an FDIC-insured institution. We operate under strict banking regulations. Your deposits are protected by federal insurance up to $250,000.
You can cancel anytime with no penalties or fees. Worth has no contracts or commitments. If you need to pause or stop service, it takes 30 seconds in the app.
Most people see credit reporting within 3-6 months of consistent payments. Real credit building is an 18-month journey. Patient consistency beats everything.
Yes. Worth is built for everyone, including recent immigrants. With an ITIN or SSN, you can build credit. Many Worth members are strengthening their financial foundation while building community here.
Most apps separate banking, credit, and wireless. Worth connects them. Your banking behavior builds credit. Your payments unlock wireless. Everything works together, making financial progress feel inevitable.

Explore by topic

Not finding what you need? Our detailed guides cover everything Worth has to offer.

Banking support

Questions about accounts, transfers, deposits, and daily banking.

View help

Credit building

How rent, bills, and banking activity build your credit.

View help

Wireless support

Unlimited talk, text, data, coverage, and porting your number.

View help

Account management

Settings, security, verification, and account changes.

View help

Family accounts

Multi-generational banking, coordination, and permissions.

View help

Billing & payments

Payment methods, failed transactions, and billing questions.

View help