Step: Bank & Build Credit

4.6
25.5K reviews
1M+
Downloads
Content rating
Everyone
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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.
Updated on
Jun 21, 2024

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
You can request that data be deleted

Ratings and reviews

4.6
25.1K reviews
Steven Schoeneman
May 29, 2024
Loved this app, used in for about 5 years to pay for everything online. Never had a single problem, loved.that I didn't have to use my bank card, and it automatically denies charges if I don't have any money on my card(.that's an extra charge from my bank). The last time I used the online card there was an extra fee, I'm not going to pay. Deleting the app.
2 people found this review helpful
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Step Mobile, Inc
June 6, 2024
Hi Steven! Thank you for sharing your experience with us. The best way to avoid this fee is to fund more than $20! This way you can keep spending with your Step card to build credit. For more info, please reach out to us! Thanks for being a part of Step 💙💗💛
Richard Delgado
March 31, 2024
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.
41 people found this review helpful
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Step Mobile, Inc
April 5, 2024
Hi Richard! Money deposited from your bank account take 1-3 business days, which doesn't include weekends. This can be why it seems like sometimes it takes longer than the regular 1-3 business days. You can deposit funds instantly with a linked debit card! To find out more, contact us through the app or by emailing us at hello@step.com 💙💗💛
Lake Fett
January 13, 2024
So far, so good. Finally showed on my credit report 2 months after opening, and boosted my score 2-3pts. As someone who's trying to recover my score after destroying it last year down to a 500, I couldn't qualify for any credit card that wasn't secure and most were wanting $2-$300 security deposit. Step didn't require any, and it's format prevents you from hurting your credit score, which is a huge plus if you're someone who's skilled at decimating it. Lol.
368 people found this review helpful
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Step Mobile, Inc
January 18, 2024
We love to hear it, Lake! Thank you for sharing your experience with us. Step aims to help everyone who is working on their financial journey. Please reach out if you ever need assistance, and thanks for being a part of Step! 💙💗💛

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.