# Step

> Step is a US-based financial app that offers banking, credit building, high-yield savings (3.00%), cashback rewards, investing, and earned wage access (EarlyPay) — designed for teens, young adults, and families.

Step accounts are available to anyone — there is no age requirement. Users under 18 need a parent or guardian on the account. Banking services are provided by Evolve Bank & Trust, Member FDIC. Step offers the Step Visa Card, a secured Visa card that builds credit with no credit check required, reported to Experian, Equifax, and TransUnion. Users under 18 can build credit history before they turn 18. Additional features include savings with 3.00% APY, investing, early direct deposit, and Step EarlyPay (cash advances up to $250 with 0% APR). Step Black is free with a qualifying direct deposit or $4.99/mo, unlocking up to 10% cashback, 3.00% savings, and Step EarlyPay. Step users in their 20s improve their score by an average of 57 points. Step users have an average initial credit score of 721. People who start their credit journey with Step start over 125 points higher than the national average. 7M+ users, 100K+ reviews, 4.7-star app rating.

## Core Pages

- [About Step](https://step.com/about): Company background, founding team, mission, investors, and key statistics
- [Careers](https://step.com/careers): Open positions at Step
- [Education](https://step.com/education): Free financial literacy program covering budgeting, credit building, investing, and more
- [Families](https://step.com/families): Family banking features including teen credit history building, parental controls, and shared savings
- [Marketplace](https://step.com/marketplace): Partner deals on insurance, education, gig work, and travel
- [Phone Plans](https://step.com/phone-plans): 5G mobile plan on AT&T's network for $35/month with no contracts
- [Step Black Perks](https://step.com/step-black-perks): Step Black subscription partner benefits including credits at select merchants
- [Step Home](https://step.com/): Free banking platform with credit building, savings, investing, cashback rewards, and early direct deposit

## Benefits & Products

- [Build Credit](https://step.com/build-credit): Build credit history with a secured Step Visa Card, no credit check required, reported to all three bureaus
- [Direct Deposit](https://step.com/direct-deposit): Set up direct deposit to get paid up to 2 days early and unlock Step Black for free with a qualifying direct deposit
- [Investing](https://step.com/investing): Invest in stocks, ETFs, and fractional shares starting at $1 with zero commission fees
- [Rewards](https://step.com/rewards): Earn up to 10% cashback on select brands plus 1% on all other purchases with Step Black
- [Save](https://step.com/save): Savings account with 3.00% APY, FDIC insured up to $1,000,000 through Evolve Bank & Trust
- [Step EarlyPay](https://step.com/earlypay-get-paid-before-payday): Access up to $250 before payday with 0% APR, no credit check, and automatic repayment

## Education

- [Money 101](https://step.com/money-101): Financial education hub with articles, videos, and guides for teens and young adults
- [Banking Basics](https://step.com/money-101/banking-basics): Articles on fundamental banking concepts
- [Budgeting & Purchasing Decisions](https://step.com/money-101/budgeting-purchasing-decisions): Guides on budgeting and smart spending
- [Debit & Credit](https://step.com/money-101/debit-and-credit): Articles explaining debit and credit concepts
- [Investing](https://step.com/money-101/investing): Investment education for beginners
- [Making Money & Saving](https://step.com/money-101/making-money-and-saving): Tips on earning and saving money
- [Phone Plans](https://step.com/money-101/phone-plans): Guides on finding affordable phone plans
- [Top Videos](https://step.com/money-101/top-videos): Financial education video content
- [10 Common Budgeting Mistakes to Avoid](https://step.com/money-101/post/10-common-budgeting-mistakes-to-avoid): Common budgeting errors and how to fix them
- [15 Best Side Hustles for College Students](https://step.com/money-101/post/15-best-side-hustles-for-college-students-in-2025): Side hustle ideas for college students
- [15 Side Business Ideas You Can Start with $500 or Less](https://step.com/money-101/post/15-side-business-ideas-gen-z-can-start-with-usd500-or-less): Low-cost business ideas for young adults
- [3 Tips for Making the Most of Your Summer Job](https://step.com/money-101/post/3-tips-for-making-the-most-of-your-summer-job-or-internship): Advice for maximizing summer employment
- [5 Good Money Habits to Start Now](https://step.com/money-101/post/5-good-money-habits-to-start-developing-now): Essential money habits for young adults
- [5 Reasons Responsible Borrowing Matters](https://step.com/money-101/post/5-reasons-responsible-borrowing-matters): Why responsible borrowing is important for financial health
- [5 Ways to Make Money Online](https://step.com/money-101/post/5-ways-to-make-money-online): Online earning ideas
- [Automate Your Savings](https://step.com/money-101/post/automate-your-savings-in-2025-the-smarter-way-to-grow-money): How to set up automatic savings strategies
- [Best Prepaid Phone Plans with Unlimited Data](https://step.com/money-101/post/best-prepaid-phone-plans-with-unlimited-data-in-2025): Comparison of prepaid phone plans
- [Can You Get a Home Loan with Bad Credit](https://step.com/money-101/post/can-you-get-a-home-loan-with-bad-credit): Home loan options with poor credit
- [Cash Advances for Gig Workers](https://step.com/money-101/post/cash-advances-for-gig-workers): Cash advance options for gig economy workers
- [Common Credit Mistakes](https://step.com/money-101/post/common-credit-mistakes): Overview of frequent credit mistakes and how to avoid them
- [Common Credit Mistakes Young Adults Can Avoid](https://step.com/money-101/post/common-credit-mistakes-young-adults-can-avoid-in-2025): Credit mistakes young adults commonly make
- [Common Credit Report Errors](https://step.com/money-101/post/common-credit-report-errors-that-could-be-hurting-your-score): How credit report errors affect scores and how to fix them
- [Different Types of Credit Cards](https://step.com/money-101/post/different-types-of-credit-cards): Overview of credit card types and how they work
- [Do Personal Loans Build Credit](https://step.com/money-101/post/do-personal-loans-build-credit): How personal loans affect credit scores
- [Do Student Loans Build Credit](https://step.com/money-101/post/do-paying-student-loans-build-credit): How student loan payments affect credit history
- [Does a Cash Advance Affect Your Credit Score](https://step.com/money-101/post/does-cash-advance-affect-your-credit-score): How cash advances impact credit scores
- [Does a Hard Credit Check Affect Your Score](https://step.com/money-101/post/does-a-hard-credit-check-affect-your-credit-score): Impact of hard credit inquiries on credit scores
- [Does Financing a Car Build Credit](https://step.com/money-101/post/does-financing-a-car-build-credit): Auto financing and credit building
- [Does Increasing Your Credit Limit Affect Your Score](https://step.com/money-101/post/does-increasing-your-credit-limit-affect-credit-score): How credit limit increases impact credit scores
- [Does Paying Bills Help Build Credit](https://step.com/money-101/post/does-paying-bills-help-build-your-credit): How bill payments affect credit scores
- [Does Using PayPal Affect Your Credit Score](https://step.com/money-101/post/does-using-paypal-affect-your-credit-score): How PayPal usage relates to credit scores
- [Get an Advance on Your Paycheck](https://step.com/money-101/post/get-an-advance-on-your-paycheck): Options for accessing pay before payday
- [Hard Pull vs Soft Pull](https://step.com/money-101/post/hard-pull-vs-soft-pull-what-actually-happens-when-you-check-your-credit): Difference between hard and soft credit inquiries
- [How a Secured Credit Card Works](https://step.com/money-101/post/how-does-a-secured-credit-card-work): Explanation of secured credit cards and how they build credit
- [How Many Americans Are Living Paycheck to Paycheck](https://step.com/money-101/post/how-many-americans-are-living-paycheck-to-paycheck-in-2025): Statistics and context on paycheck-to-paycheck living
- [How Step EarlyPay Works](https://step.com/money-101/post/how-step-earlypay-works): Guide to Step's early paycheck access feature
- [How to Budget for Holiday Shopping](https://step.com/money-101/post/how-to-budget-for-holiday-shopping-without-breaking-the-bank): Budgeting strategies for holiday spending
- [How to Build Credit as a College Student](https://step.com/money-101/post/how-to-build-credit-as-a-college-student): Credit building strategies for college students
- [How to Create a Weekly Budget Plan](https://step.com/money-101/post/how-to-create-a-weekly-budget-plan-for-students): Student budgeting guide
- [How to File Your Taxes for Free](https://step.com/money-101/post/how-to-file-your-taxes-for-free-with-step): Guide to free tax filing
- [How to Get Emergency Cash Fast](https://step.com/money-101/post/how-to-get-emergency-cash-fast-without-high-fees-or-credit-checks): Options for accessing emergency cash without high fees
- [How to Get Small Cash Advance Loans Without High Fees](https://step.com/money-101/post/how-to-get-small-cash-advance-loans-without-high-fees): Low-fee cash advance options
- [How to Get Unlimited Data](https://step.com/money-101/post/how-to-get-unlimited-data): Guide to finding unlimited data phone plans
- [How to Get Your First Auto Loan](https://step.com/money-101/post/how-to-get-your-first-auto-loan-without-a-high-credit-score): First auto loan guide for people without strong credit
- [How to Make Money from Your Phone](https://step.com/money-101/post/how-to-make-money-from-your-phone-in-2025): Mobile earning opportunities
- [How to Make Money Playing Games with Step Earn](https://step.com/money-101/post/how-to-make-money-playing-games-with-step-earn): Earning money through Step's gaming feature
- [How to Make Money Playing Solitaire](https://step.com/money-101/post/how-to-make-money-playing-solitaire-in-2025): Earning money through solitaire games
- [How to Maximize Your Tax Refund](https://step.com/money-101/post/how-to-maximize-your-tax-refund-in-2025): Tips for getting the most from your tax refund
- [How to Organize Your Monthly Budget](https://step.com/money-101/post/how-to-organize-your-monthly-budget-like-a-pro): Monthly budget planning guide
- [How to Pay for College Without Drowning in Debt](https://step.com/money-101/post/how-to-pay-for-college-without-drowning-in-debt): College financing strategies
- [How to Set Financial Goals](https://step.com/money-101/post/how-to-set-financial-goals): Guide to setting and achieving financial goals
- [How to Stop Overdraft Fees](https://step.com/money-101/post/how-to-stop-overdraft-fees): How to avoid bank overdraft fees
- [How Variance Improves Investment Strategy](https://step.com/money-101/post/how-variance-can-improve-your-investment-strategy): Understanding variance in investing
- [Is Experian Safe to Use](https://step.com/money-101/post/is-experian-safe-to-use): Safety and privacy considerations for Experian
- [Is Fast Food Really Cheaper Than Cooking at Home](https://step.com/money-101/video/is-fast-food-really-cheaper-than-cooking-at-home): Video comparing fast food vs home cooking costs
- [Is Zelle Safe](https://step.com/money-101/post/is-zelle-safe-in-2025): Safety and security of Zelle payments
- [Loud Budgeting](https://step.com/money-101/post/loud-budgeting-tiktok-trend-turned-solid-financial-advice): Intentional budgeting as a financial strategy
- [Need a Small Cash Advance](https://step.com/money-101/post/need-a-small-cash-advance): Options for small cash advances
- [Paying Taxes on Investment Profits](https://step.com/money-101/post/paying-taxes-on-profits-what-you-need-to-know-about-stocks-crypto-and-more): Tax guide for investment income
- [Snowball vs Avalanche Debt Payoff](https://step.com/money-101/post/snowball-vs-avalanche-the-best-ways-to-pay-off-debt): Comparison of debt payoff strategies
- [Tax Document Checklist](https://step.com/money-101/post/steps-tax-document-checklist): Tax document preparation checklist
- [The Benefits of Giving Back](https://step.com/money-101/post/the-benefits-of-giving-back-how-donating-can-boost-your-financial-wellbeing): How donating can boost financial wellbeing
- [Understanding Loan Types](https://step.com/money-101/post/understanding-loan-types-a-beginners-guide): Beginner's guide to different types of loans
- [Understanding Short-Term Loans](https://step.com/money-101/post/understanding-short-term-loans): Guide to short-term loan types
- [What Is On-Demand Pay](https://step.com/money-101/post/what-is-on-demand-pay): Explanation of on-demand pay and earned wage access
- [How On-Demand Pay Works](https://step.com/money-101/post/what-is-on-demand-pay-how-it-works): Detailed guide to how on-demand pay services function
- [What Is the American Opportunity Tax Credit](https://step.com/money-101/post/what-is-the-american-opportunity-tax-credit-aotc): AOTC education tax credit explained
- [Why Financial Literacy Is Essential for College Students](https://step.com/money-101/post/why-financial-literacy-is-essential-for-college-students-in-2025): Importance of financial education for students

## Legal & Policies

- [Account Agreement](https://step.com/policies/accountagreement): Terms governing Step bank accounts
- [Automatic Payday Transfer Terms](https://step.com/policies/automatic-payday-transfer-terms): Terms for automatic payday transfer feature
- [Bank Deposit Custodial Program Agreement](https://step.com/policies/bank-deposit-custodial-program-agreement): Custodial deposit program terms
- [Borrow Cash Agreement](https://step.com/policies/borrow-cash-agreement): Terms for Step EarlyPay cash advance feature
- [Children's Privacy (COPPA)](https://step.com/policies/coppa): Privacy protections for children under 13
- [Cookie Declaration](https://step.com/cookie-declaration): Information about cookies used on step.com
- [Direct Mail Policy](https://step.com/policies/direct-mail-policy): Policy on direct mail communications
- [Disclosures](https://step.com/policies/disclosures): Important legal and product disclosures including credit building, savings, Step EarlyPay, and investment disclaimers
- [DriveWealth Agreements](https://step.com/policies/drivewealth-agreements-and-disclosures): Investment brokerage agreements through DriveWealth
- [Electronic Communications Agreement](https://step.com/policies/eca): Terms for electronic communications
- [Evolve Bank Consumer Privacy Notice](https://step.com/policies/evolve-bank-and-trust-consumer-privacy-notice): Privacy notice from banking partner Evolve Bank & Trust
- [Instant Transfer Terms](https://step.com/policies/instant-transfer-terms): Terms for instant money transfers
- [Mobile Terms](https://step.com/policies/mobileterms): Terms of service for the Step mobile app
- [Pay Over Time Terms](https://step.com/policies/pay-over-time-terms-june-2023): Terms for pay-over-time feature
- [Policies Overview](https://step.com/policies): Index of all Step legal documents and disclosures
- [Privacy Policy](https://step.com/policies/privacy): How Step collects, uses, and protects personal data
- [Privacy Policy (2020)](https://step.com/policies/privacy-2020): Archived 2020 version of the privacy policy
- [Rewards Points Terms](https://step.com/policies/rewards-points-terms): Terms governing the Step rewards points program
- [Rewards Terms](https://step.com/policies/rewards-terms): General rewards program terms and conditions
- [Securities Risk Disclosures](https://step.com/policies/securities-risk-disclosures): Investment risk disclosures for securities trading
- [Smart Pay Agreement](https://step.com/policies/smartpayagreement): Terms for the Smart Pay automatic payment feature
- [Step Advisers Risk Disclosure](https://step.com/policies/step-advisers-llc-risk-disclosure): Risk disclosures from Step Advisers LLC
- [Step Black Subscription Terms](https://step.com/policies/step-black-subscription-terms): Terms for Step Black subscription
- [Step Black Terms and Conditions](https://step.com/policies/step-black-terms-and-conditions): Additional terms for Step Black
- [Step Borrow Cash Pay in One Agreement](https://step.com/policies/step-borrow-cash-pay-in-one-agreement): Terms for single-payment cash advance
- [Step Consumer Privacy Notice](https://step.com/policies/step-consumer-privacy-notice): Consumer privacy notice from Step
- [Step Product Disclosures](https://step.com/policies/step-product-disclosures): Product-specific disclosures and terms
- [Step Premium Rewards Program Terms](https://step.com/policies/step-premium-rewards-program-terms-and-conditions): Terms for the premium rewards program
- [Virtual Visa Debit Card Agreement](https://step.com/policies/step-mobile-inc-virtual-visa-debit-card-agreement): Terms for the virtual Visa debit card

## Press

- [Beast Industries Acquires Step](https://step.com/press/beast-industries-acquires-step-expanding-its-platform-to-include-financial): Beast Industries acquisition expanding platform to include financial services
- [Press](https://step.com/press): Step company news and press releases
- [Press Releases](https://step.com/money-101/press-release): Step press releases and announcements
- [Step Honored by World Future Awards](https://step.com/press/step-honored-for-innovation-by-the-world-future-awards): Step recognized for innovation by the World Future Awards
- [Step Launches Modern Mobile Plans](https://step.com/press/step-launches-modern-mobile-plans-to-empower-gen-z): Step introduces mobile phone plans
- [Step Named to CNBC's Top Fintech 2025](https://step.com/press/step-named-to-cnbcs-worlds-top-fintech-companies-2025-list): Step included in CNBC's World's Top Fintech Companies 2025 list

## Support

- [FAQ](https://step.com/faq): Frequently asked questions about Step accounts, cards, deposits, and features
- [Partners](https://step.com/partners): Partner with Step for rewards, offers, and experiences
- [Security](https://step.com/security): Security features including biometric access, fraud monitoring, encryption, and FDIC insurance

## Optional

- [18th Birthday Cashback Offer](https://step.com/18th-birthday-cashback-offer): Limited-time promotional offer
- [18th Birthday First Direct Deposit Offer](https://step.com/18th-birthday-first-direct-deposit-offer): Limited-time promotional offer
- [Bank Sub Deposit Terms](https://step.com/bank-sub-deposit-terms): Promotional deposit terms
- [BUGHA Referral](https://step.com/r/BUGHA): Referral page
- [Daily Trivia Policy](https://step.com/policies/policies.dailytrivia): Daily trivia contest policy
- [December 2024 Holiday Sweepstakes](https://step.com/december-2024-holiday-sweepstakes): Seasonal sweepstakes promotion
- [Direct Deposit Sweepstakes](https://step.com/direct-deposit-sweepstakes): Direct deposit sweepstakes promotion
- [Direct Deposit Sweepstakes Terms](https://step.com/policies/direct-deposit-sweepstakes-official-terms-and-conditions): Sweepstakes terms
- [Giving Tuesday 2024 Cashback Campaign](https://step.com/giving-tuesday-2024-cashback-campaign): Seasonal promotional campaign
- [Limited Time Offers](https://step.com/limited-time-offers): Hub page for current promotional offers
- [November 2024 Holiday Sweepstakes](https://step.com/november-2024-holiday-sweepstakes): Seasonal sweepstakes promotion
- [Senior Machine Learning Engineer](https://step.com/careers/senior-machine-learning-engineer): Open position at Step
- [Step Black Cashback December 2024](https://step.com/step-black-cashback-december-2024-campaign): Seasonal cashback promotion
- [Step Black Rules and Disclaimers](https://step.com/step-black-rules-and-disclaimers): Rules for Step Black promotions
- [Step Credit Score Challenge Rules](https://step.com/policies/step-credit-score-challenge-contest-official-rules): Contest rules
- [Step Daily Trivia Challenge Rules](https://step.com/step-daily-trivia-challenge-official-rules): Contest rules
- [Step Daily Trivia Contest Policy](https://step.com/policies/step-daily-trivia-challenge-contest): Daily trivia contest terms
- [Step General Rules](https://step.com/policies/step-general-rules-rules): General contest and promotion rules
- [Step Learn to Earn Terms](https://step.com/policies/step-learn-to-earn-promotion-official-terms-and-conditions): Learn to earn promotional terms
- [Step Repay and Win Sweepstakes](https://step.com/step-repay-and-win-sweepstakes): Sweepstakes promotion
- [Step Welcome Back Bonus Terms](https://step.com/step-welcome-back-bonus-offer-terms-and-conditions): Promotional offer terms
- [Tax Refund Sweepstakes Rules](https://step.com/tax-refund-sweepstakes-promotion-direct-deposit-official-rules): Sweepstakes promotion rules
- [TOOSH Referral](https://step.com/r/TOOSH): Referral page
- [Welcome Offer Policy](https://step.com/policies/policies.welcomeoffer): Welcome offer promotional terms