Step: Bank & Build Credit

Step Mobile, Inc

About this app

Step is your free credit building app for young adults. Build credit, enjoy 4% savings & earn up to 8% cashback—start boosting your financial future.
Your go-to free banking app for better credit, better savings, and better rewards. You can get up to 8% cashback and build credit with Step Black and the Step Visa Card – with no risk of overdrafting. Plus, earn 4.00% 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.

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

Ratings and reviews

Great app. My main gripe with it is the limit on what you can take out of your account at a time. Having a $3k monthly limit for withdrawing money is excruciating low, and makes it feel pointless to save for bigger things due to the restriction. I'm going to have to find a different bank because of this; it simply isn't reasonable to longterm save with Step. (Not to mention quite a few retailers don't accept Step as a payment method, so withdrawing the money is a necessity a lot of the time)

Won't allow me to remove or update my linked card so I cannot setup a recurring payment to pay my kids their allowance. That's all I need this app for. If it isn't low effort, it's no use. Will switch back to my kids' old teen account service. I thought this app was an upgrade for them. Apparently not since it's most basic function doesn't work.

I got this app so I could send money to my highschool-age son. It works as advertised but it's so hard to figure out how to send him money that I spend 5 or 10 minutes re-learning how to do it each time. You'd think it would be immediately obvious how to send money to your one, lone contact, but it's not. You have to cycle through several counterintuitive screens, and deselect a thing or two and select another thing or two, and eventually you can send the money. Oddly difficult.

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 4.00% 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.