Earnest can consider any accounts based in the US that hold a USD balance. These can include checking, savings, retirement, 529, or investment accounts that are held by the applicant. We can consider cryptocurrency as long as it’s held in a brokerage account and not in a crypto wallet. If you have jointly owned assets with another person, we can credit you the full amount, provided we can verify your joint ownership.
It’s important to note that we’re not able to consider real estate property value, automobiles, cash kept outside of a bank, gold, various equity, or other physical property as assets. We’re also unable to consider life insurance policies, business assets, or accounts held for the benefit of another (UTMA, IOLTA, Trust accounts, etc).