Step - Next Gen Banking

4.7
17.5K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Step is an all-in-one banking solution designed to help the next generation build smarter money habits. Step offers an FDIC-insured bank account and a FREE Visa¹ Secured Card. Step is the best way to build a positive credit history, even before you turn 18. The average Step User has a credit score of 725 when they turn 18! With Step, you can invest in cryptocurrencies and stocks, set savings goals, earn rewards, set up direct deposit, and send and receive money instantly. The Step App lets you easily track your transaction history, portfolio balance, and savings progress. Step sets you up for a lifetime of financial success from the moment you sign up, which you can do without any monthly fees.

Benefits of Step:
- No signup fees, monthly fees, no overdraft fees
- Invest in Crypto and Stocks
- Build positive credit with every purchase even before 18
- Rewards at your favorite merchants
- Get paid up to 2 days early with direct deposit⁴
- Instantly send and receive money
- Deposit cash at over 70,000+ retail locations nationwide
- Over 30,000 fee-free ATMs nationwide at major stores and retailers³
- Customize your own Step Visa Card
- Add your Virtual Step Card to Apple Pay
- Create Savings Goals to help you budget for big purchases
- Track your balance in the app
- Exclusive Access to Step’s Financial Literacy curriculum

For Parents:
Step is the all-in-one banking solution for the next generation designed to help teens and young adults build smarter money habits. It is free to sign up for Step and it doesn’t have any monthly fees or overdraft fees, and offers an FDIC-insured bank account and a free Visa¹ Card. Step is the best way to build a positive credit history with every purchase they make, even before they turn 18, and the average Step User has a credit score of 725 when they turn 18! Step gives teens real-world money practice that equips them to become financially independent and doesn’t allow your kids to spend more than what they have in their account. The Step App provides insights into teens’ spending and saving, so parents can have peace of mind knowing that their teens’ transaction history is only a click away. With features like direct deposit, savings goals, and automated allowance payments, parents can feel confident that Step is setting their teen up for financial success.

Benefits of Step for parents:
- No signup fees, no monthly fees, no overdraft fees
- Instantly send money to your teens
- Automate your teen’s allowances & skip or adjust anytime
- Connect your existing debit card, bank account, or other apps for instant transfers
- Visibility into your teen’s spending and savings
- Access to Step’s Financial Literacy curriculum
- Rewards at top merchants
- Customer support 7 days a week
- Freeze your teens’ Step Card anytime
- Add your whole family to Step
- Protected by Visa's Zero Liability Policy²


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.
Updated on
Nov 30, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
Data can’t be deleted
4.7
17.5K reviews
Kendra Teerman
October 4, 2022
Great app to start, so easy to transfer money to my kids when they needed a little extra while out and about. I don't have to drive to them or go get cash. But with the fee new structure, fees for transfers under $25 will cause me to be looking for another option. I can't always afford $25 to send each kid. Let alone, my kids won't save it. If it's there, they'll use it. Sending $5 or $10 for some small job they did is reasonable. $25 is just too much every time.
72 people found this review helpful
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Step Mobile, Inc
October 5, 2022
Hi Kendra! Thank you so much for this feedback on our new fee structure. A suggestion - you can always transfer a bulk amount to your personal Step account, then P2P funds to your teen's. There are no fees when transferring money between two Step accounts. Let us know if you have any other feedback! You can reach us at hello@step.com 💙💗💛
Luke Zigler
October 1, 2022
They have fees now. Still a big user of Step, so easy to use! Super easy to set up direct deposit for work, and I got payed early. Also it's very easy to send and receive money from my parents and siblings. One thing to note, is they added a fee for debit cards for under $25, so make sure to add more than $25 to avoid fees.
59 people found this review helpful
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Step Mobile, Inc
October 6, 2022
Hi Luke! We're so happy you are a part of the StepFam. Thank you for the awesome review and for your feedback on our new fee structure. If you have any other feedback, feel free to let us know any time by reaching out in the app or by emailing us at hello@step.com! 💙💗💛
Lamanda Swinning
December 8, 2021
Step has been amazing! There is no monthly fees. If you get charged at an ATM, step will give it back to you. I've had no issues. It's so simple transferring money, adding money, paying friends ect.. it's pretty cool you can have your own account along with your teens account and you can watch what they spend, set up weekly allowances. I don't like that it's only a credit card but that's it.
532 people found this review helpful
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Step Mobile, Inc
December 9, 2021
Hi Lamanda, thanks for being a part of the #StepFam! We're proud to help teens start their financial journey off right, and we're so glad you're loving your Step account! 💙💗💛

What's new

This update includes bug fixes and performance improvements.