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From Lagos & Brooklyn.

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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.

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Family accounts

Multi-generational banking, coordination, and permissions

Quick navigation

Getting Started with Family Accounts

  • What is a family account?
  • Create a family account
  • Invite family members
  • Accept family invitation

Family Permissions & Control

  • Set up family permissions
  • What can each member do?
  • Remove a family member
  • What happens to money when someone leaves

Shared Finances

  • Share an account with family
  • Split rent or bills
  • Track shared expenses
  • Set spending limits

Financial Decisions Together

  • Family financial planning
  • Teaching kids about money
  • Multi-generational credit building
  • Helping elderly parents

Language & Accessibility

  • Multi-language support
  • Invite non-English speakers
  • International family members
  • Accessibility features

Coordination Features

  • View family member activity
  • Approve spending
  • Set account alerts
  • Family communication

Privacy & Security

  • How family privacy works
  • What family can see
  • Changing family access
  • Family account security

Most asked questions

Can I share my account with family?

Yes. You can share account visibility and coordinate payments. Choose what each family member can see and do.

Does family help build credit together?

Absolutely. When multiple family members use the same account or coordinate payments, it shows stability and strengthens the overall financial picture. Multi-generational behavior is powerful.

How do I invite family?

Go to Settings → Family coordination → Invite family members. Send invitations via email or phone number. They accept and join.

Can grandparents use Worth?

Yes. Worth is designed for all ages. We support multi-language access and accessible features. Grandparents can coordinate with parents and grandkids.

What if family members are in different countries?

Family accounts work internationally. As long as family members have email or phone, they can join. International transfers take 3-5 business days.

Can teenagers have their own account?

Yes. Teenagers can have individual accounts and participate in family coordination. Parents set permissions and limits based on age and responsibility.

Worth works better with family

Multi-generational benefits:

  • •Coordinate finances across generations
  • •Build stronger credit together
  • •Teach financial responsibility
  • •Simplify shared expenses

For every generation:

  • •Kids: Learn money management early
  • •Adults: Share and coordinate seamlessly
  • •Seniors: Access support and coordination
  • •Everyone: Build credit faster together

Related help

Ready to open an account?

Get started in 5 minutes

Want to understand family credit?

Multi-generational credit building

Need account management help?

Account management support

Still have questions?

Contact our support team

support@unlockworth.com • Average response time: 4 hours • English and Spanish • Available 24/7

Contact support