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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.

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I'm ready to open my account

Your account is just 5 minutes away

Featured

Your first payment matters

From welcome to recognized

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Featured

30 days to recognition

How your banking activity builds credit

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Step-by-step setup

4 simple steps to your free account

1

Download the app

2 minutes

Worth is mobile-first. Download from your App Store or Google Play. No web account needed.

2

Create your account

3 minutes

Enter your name, email, and phone number. We accept ITIN or SSN. That's all.

3

Verify your identity

2 minutes

Take a photo of your ID. We accept international documents. The app verifies instantly.

4

You're in

0 minutes

Your account is open. Free FDIC banking, ready to use.

Your first moves

Optional steps to maximize your account

1

Connect direct deposit

optional but powerful

When your paycheck hits your Worth account, the system recognizes you have stable income. This is the moment that changes everything.

Learn more
2

Make your first transaction

Transfer money in, pay a bill, or set up a payment. The system starts tracking your reliability immediately.

3

Set up automatic payments

optional

If you pay rent or utilities, set them up from your Worth account. These payments build your financial profile.

Learn more
4

Invite family

optional

Worth works better with family. Share your account with trusted family members for joint decisions or coordination.

Learn more

Common questions

How long does account opening take?

5 minutes total. Most people are fully set up before they finish their coffee.

Is my identity safe?

Yes. We use bank-level encryption. Your information is never sold or shared.

Can I use Worth on desktop?

Worth is mobile-first. The app is the primary experience. You can manage basics on the web, but mobile has all features.

What if I have trouble with identity verification?

Our support team helps. Email support@unlockworth.com with "ID Help" in the subject. Average response: 4 hours.

Can I close my account?

Yes, anytime. No penalties, no fees. Takes 30 seconds in the app.

Ready to get started?

Download the app and open your account in 5 minutes.

Join WorthContact support if you need help