Worthington Bank in Arlington, TX
Texas-based community bank operating in Fort Worth, Arlington, Colleyville, and Denton since 2002, offering personal and commercial banking with relationship-focused service.
Data compiled from public sources · Rating from CreditDoc methodology
Worthington Bank Review
Worthington Bank has operated as a state-chartered bank in Tarrant County since 2002, establishing itself as a relationship-based financial institution committed to personalized service in North Texas. The bank is regulated by the Texas Department of Banking and maintains FDIC insurance protection up to $250,000 per depositor across different account ownership categories. The bank offers a comprehensive suite of personal banking products including checking and savings accounts, money market accounts, CDs, IRAs, HSAs, and personal loans.
On the commercial side, Worthington provides business loans, commercial lending, treasury management services, and business mobile banking applications. Additionally, they offer mortgages for both personal and commercial purposes, online banking, and modern payment solutions including Apple Pay, Samsung Pay, and Google Pay integration with their Visa Debit Card. " Beyond financial services, the bank demonstrates community commitment through its art collection and preservation of Texas heritage and history.
For debit card support, they provide both local office access and a dedicated after-hours number (888-263-3370). As a regional community bank, Worthington Bank serves customers seeking traditional relationship-based banking in the North Texas area. However, the bank's limited geographic footprint (four locations in one county), lack of national reach, and absence of information about competitive rates or loan terms mean customers should verify offerings against larger institutions.
The emphasis on personal service may appeal to customers who value direct human interaction, though this approach could result in longer wait times compared to fully digital competitors.
Services & Features
Feature Checklist
Pros & Cons
Pros
- FDIC insured up to $250,000 per depositor with separate coverage for different account ownership categories
- No automated phone systems or 1-800 number routing—direct access to local branches during business hours
- Comprehensive product suite: checking, savings, money market, CDs, IRAs, HSAs, personal loans, mortgages, and business lending
- Modern digital payment options including Apple Pay, Samsung Pay, and Google Pay integration on Visa Debit Cards
- State-chartered bank regulated by Texas Department of Banking with established 20+ year operating history (since 2002)
- Dedicated after-hours debit card support line (888-263-3370) for lost or stolen cards
- Commercial banking services including treasury management and business mobile banking apps
Cons
- Limited geographic footprint: only four branch locations in Tarrant County (Fort Worth, Arlington, Colleyville, Denton)
- Website lacks specific information about interest rates, APYs, loan terms, or competitive pricing comparisons
- No mention of online account opening, mobile banking app availability, or remote account management capabilities
- Relationship-based service model may result in longer wait times compared to fully automated digital banks
- Limited transparency regarding loan requirements, qualification criteria, or available loan amounts and terms
Rating Breakdown
Frequently Asked Questions
Is Worthington Bank legitimate?
Yes. Worthington Bank is a registered company, headquartered in Arlington, TX, founded in 2002.
How long does Worthington Bank take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 2002
- Headquarters
- Arlington, TX
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #57414
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Worthington Bank
Worthington Bank is best for North Texas-based customers and small-to-medium businesses seeking personalized, relationship-driven banking with no automated phone systems. The primary caveat is geographic limitation—the bank operates only four branches in one county, making it impractical for customers outside the immediate Fort Worth/Arlington/Colleyville/Denton area or those requiring national banking presence.
Best For
- Small to mid-sized business owners in North Texas seeking personalized commercial banking and treasury management
- Customers in Fort Worth, Arlington, Colleyville, or Denton who prioritize face-to-face relationships over digital-only banking
- Individuals seeking traditional mortgage and personal loan products with local banker guidance
- Businesses requiring business mobile banking and commercial lending with direct account manager relationships
More Banks
Commerce Bank
Commerce Bank
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Worthington Bank and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.