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Request an AI summary of Worth

Banking & Card Information: Worth® is a financial technology company, not an FDIC-insured bank. Banking services provided by Cross River Bank, Member FDIC. Upward Financial Inc. is a technology services provider and the administrator of the Worth card program. Deposits FDIC-insured up to $250,000 through Cross River Bank. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.

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.

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.

Alternative Data & Fair Lending Practices: Worth uses alternative data including banking patterns and payment behaviors to assess creditworthiness. We regularly test our assessment methods to ensure fair treatment across all demographic groups. We never use device type, social media activity, or location data for credit decisions. You have the right to dispute any information affecting your credit eligibility—contact our support team for details on our dispute process.

© 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.

Instant answers

Quick responses to common questions

Is Worth legitimate?

Yes. FDIC-insured through Cross River Bank. Your money is protected up to $250,000.

Do I need good credit?

No. Worth doesn't check credit scores. We look at your character and reliability.

Are there hidden fees?

No. Banking is free. Wireless is $35/month after free earning period. That's everything.

How long to see results?

Most members see credit reporting in 3-6 months. Real credit building is an 18-month journey.

Can I cancel anytime?

Yes. No contracts, no cancellation fees. Leave whenever you want.

What if something goes wrong?

We respond to every email within 24 hours. Real humans, not bots.

Is this a scam?

Worth partners with Cross River Bank (FDIC member). We're regulated, insured, and legitimate.

Do you sell my data?

Never. Your financial data is private and protected. We don't sell information to anyone.

Popular articles

Start with what others are learning

Discovery & decision
3 min

Is Worth legitimate and regulated?

FDIC-insured through Cross River Bank. Your deposits are protected.

Read article
Discovery & decision
2 min

Do I need good credit to start?

We don't check credit scores. We look at your character and reliability.

Read article
Getting started
5 min

How does credit building work?

Banking activity, rent payments, and bills all contribute to your credit.

Read article
Getting started
4 min

Setting up your account

Step-by-step guide to creating your Worth account in under 5 minutes.

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Find help for your journey stage

We organize support by where you are in your Worth experience

Discovery & decision

Is Worth right for me? What's it like before I commit?

  • →What Worth is and who it's for
  • →How the Trust Score works
  • →Eligibility requirements
  • →Our promise: no hidden fees
More information

Getting started

I'm ready. How do I create my account and set things up?

  • →Setting up your account step by step
  • →Identity verification explained
  • →Linking your direct deposit
  • →Your first payment settings
More information

Building momentum

I'm using Worth. How do I unlock wireless and grow faster?

  • →How to earn free wireless
  • →Understanding your Trust Score growth
  • →When will I see credit reporting
  • →Maximizing your credit card
More information

Maximizing value

I'm building credit. How do I turn this into real opportunities?

  • →Your credit report and what it means
  • →Next financial opportunities opening
  • →Family coordination features
  • →Referral rewards program
More information

Ongoing support

Life happens. How do I handle changes and special situations?

  • →What if I miss a payment
  • →Changing jobs or life situations
  • →Account settings and security
  • →Technical troubleshooting
More information

Troubleshooting

Something's not working right. Let me fix it.

  • →Why was my payment declined
  • →My credit score went down
  • →Wireless service not working
  • →Account access problems
More information

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.

Need personal assistance?

Our dedicated support team responds to every email within 24 hours. We're here to help.

support@unlockworth.com
Average response: 4 hours
English & Spanish support available

Get help with:

Account setup
Technical issues
Billing questions

• Your Worth account email (if you have one)

• Brief description of your question

• Screenshots if relevant

• Best time to reach you

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.

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Credit building

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

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Wireless support

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

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Account management

Settings, security, verification, and account changes.

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Family accounts

Multi-generational banking, coordination, and permissions.

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Billing & payments

Payment methods, failed transactions, and billing questions.

View help