Criterion Accounts & Memberships
Everyone starts with the same foundation. Progress is earned through responsible use over time.
Included with every Criterion account
● Visa debit card linked to your deposited funds
● No interest and no revolving balances
● No hidden fees, ever
● Spending at halal and Muslim-owned merchants
● Rewards that can be directed toward Umrah and Hajj journeys
● Built-in tools for giving, charity, and donations
Essentials
A free Criterion account with Visa debit for everyday halal banking.
Designed for
Members who want a simple, interest-free way to manage money and spend responsibly.
What’s included
Criterion account with Visa debit card
Halal merchant screening
ACH in/out, direct deposit, and basic transfers
Spend categories and basic insights
Baraka Points (base earn)
Giving tools with instant receipts
Standard support
Growth Path
Built for stability and progression
MOST POPULAR PATH
Designed for
Designed for members who want deeper insights, rewards, and long-term financial readiness.
What’s included
All Essentials features
Criterion Score insights and progress tracking
Marketplace perks and partner offers
Baraka Points 1.2× on eligible halal spend
Giving automations + impact summaries
Advanced spend insights & weekly progress email
Virtual card + spend alerts
Priority support
Student Path
Built for early independence
Designed for
For students and young adults learning responsible money habits within a safe, guided framework.
What’s included
All Essentials features
CriterionScore Access
Education-focused tools
Entry-level controls and guidance
Standard support
Family Path
Built for responsibility and legacy
COMING SOON
Designed for
Households planning together.
What’s included
All Essentials features
Multiple linked cards
Parental controls for children
Shared family visibility and tools
Priority support
Business Path
Built for ethical enterprise
COMING SOON
Designed for
Designed for Muslim-owned businesses and entrepreneurs operating with integrity.
What’s included
Business spending tools
Vendor ecosystem participation
Business-level Criterion reputation layer
Community circulation incentives
CRITERIONSCORE™
How Progression Works
One account to begin.
One system to grow in.
Different paths for different lives.
As Your Criterion Score Grows:
The Criterion Score reflects long-term financial responsibility within the platform. It is not a credit score and does not replace external credit systems.
As trust builds over time through consistent, responsible use, members may become eligible for expanded opportunities designed to support real life milestones, including:
● Halal car ownership pathways
● Home ownership pathways aligned with Islamic principles
● Ethical investment and funding opportunities
● Community-based capital programs
