Step: Bank & Build Credit

Step Mobile, Inc

About this app

Step is your go-to free banking app for better credit, better savings, and better rewards. With Step Black, you can get up to 8% cashback and build credit history with the Step Visa Card – with no risk of overspending. Plus, earn 5.00% on your FDIC-insured savings and cash in on $500 in annual perks that let you do more for less. Join over 5+ million people who trust Step to help them build credit. This is banking the way it should be.

Benefits of Step:
- Build credit: Safely build credit with every purchase and monitor your credit score right from the Step app. The average annual credit score increase for Step users in their 20s is 57 points!

- Earn up to 8% cashback: Use your Step Card everywhere Visa is accepted – online, in-store, worldwide – and earn up to 8% cashback on purchases.

- Earn 5.00% on your savings: Create Savings Goals and automatically add spare change to them with Round Ups to earn 5.00% on every penny.

- Get paid early: Get paid up to 2 days early with direct deposit. Plus, enter to win monthly prizes – cash, laptops, shopping sprees – with direct deposits of $150 or more.

- Move money: Instantly send and receive money, deposit cash at 70,000+ retail locations nationwide, and access over 30,000 fee-free ATMs.

- Invest with as little as $1: Buy and sell thousands of stocks, ETFs, and bitcoin for as little as $1. Turn your spare change into smart investments with Round Ups.


¹Step is a financial services platform. Banking services provided by and the Step Visa card issued by Evolve Bank and Trust, member FDIC.

²Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

³Out-of-network ATM withdrawal fees apply.

⁴Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Ratings and reviews

Great for saving and building credit, but it takes too long to make deposits. The app says it takes 1-3 business days, but in reality it takes more than a week. Not only does it take forever to see the money in your account, but they also draft it out of your linked account, so you're down x,y,z amount of money and it won't appear on your step account. Definitely not very time efficient. It would be better if it was faster. My other bank takes about thirty minutes to take action.

After loading money in numerous times with a particular debit card, it has stopped working. Every time I try to add the card again, it fails with an ambiguous "something went wrong". There is no obvious way to contact Step, leaving me in a frustrating position with my child whom I cannot send money to. I get trying to minimize support costs, but this is not a game it is meant to handle money... STEP contacted me and explained what was needed. They were prompt, courteous and helpful. 5 stars!

I love this app,it's great for direct deposit. The only thing I'd recommend is adding more permanant reward offers that teens and adults use on a regular basis, like fast food chains and retail chains. I'd also like to see a lock feature added for savings so I can only add but not withdraw from specific savings goals. The round up feature is literal gold, and never get rid of it. I'd like to see step work with modak in the future. I have a modak card, but the card isn't compatible with step yet

What's new

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.