Top Sites>Step – The All-In-One Money App

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# 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

### Step Home

URL: https://step.com/

Step is a free banking platform with cashback rewards, savings, and a Step Visa Card that builds credit with every purchase while providing access to cash when needed.

Key Features:
- Earn 3.00% on savings with Step Black, FDIC-insured up to $1,000,000
- Get up to 10% cashback with select Step Black partners and 1% on all other purchases
- Build credit with the Step Visa Card — reports positive payment history to TransUnion, Experian, and Equifax
- Step EarlyPay: Access up to $250 before payday with no interest or hidden fees
- Direct Deposit: Receive paychecks up to 2 days early
- Stock Investing: Purchase stocks and ETFs with zero commission fees
- Family Banking: Safe tools for building credit history and savings at any age
- Zero Liability Protection: Visa's fraud protection applies to card transactions
- Security: Banking services through Evolve Bank & Trust, Member FDIC

User Reviews: 4.7-star rating across 100,000+ reviews. Users in their 20s increase their average credit score by 57 points within one year.

---

### About Step

URL: https://step.com/about

Step is on a mission to improve the financial future of the next generation. Founded by CJ MacDonald and Alexey Kalinichenko, the Step team has 50+ years of combined fintech experience across companies like Affirm, Google, Gyft, Cash App, Square, and Stripe.

Over $500 million raised. Notable investors include Stephen Curry, Will Smith, Jared Leto, Justin Timberlake, Charli D'Amelio, Josh Richards, Alex Rodriguez, and The Chainsmokers.

Key Financial Challenges Step Addresses:
- Young adults pay 3x more in banking fees than older generations
- Only 36% of young adults feel very confident about their credit score
- 56% don't have enough emergency savings to cover 3 months of expenses

7M+ users and counting. Featured in Insider, Forbes, Reuters, TechCrunch, Fast Company. App Rating: 4.7 stars (100,000+ reviews).

---

### Families

URL: https://step.com/families

Step offers families a free way to build credit history for teens. With Step, the whole family can earn 3.00% on savings, build positive credit history, and enjoy cashback together.

Credit Building:
- Helps teens establish positive credit history early
- Step users have an average initial credit score of 721
- Users report credit scores approximately 125 points higher than the national average
- Credit history available for up to two years before turning 18

Savings & Earnings:
- 3.00% APY on savings (requires Step Black enrollment through qualifying direct deposit or $4.99/month)
- Up to 10% cashback from select merchants, 1% everywhere else
- $500 in potential annual credits for Step Black users

Money Management:
- Easy fund transfers between parents and teens
- Automated allowance capabilities
- Direct deposit support
- Balance tracking features

Security & Protection:
- Visa Zero Liability Protection
- FDIC insurance up to $1,000,000 for eligible Step Black users
- Merchant blocking, card freeze, and spend monitoring

---

### Phone Plans

URL: https://step.com/phone-plans

Step Mobile Ultra Unlimited 5G Plan on AT&T's network for $35/month. Save up to $600/year compared to major carrier plans.

Plan Features:
- Unlimited 5G data at full speed (uncapped premium data)
- 10GB 5G mobile hotspot
- Unlimited HD video streaming
- Unlimited talk and text
- Unlimited roaming data in Mexico and Canada
- Instant eSIM activation
- Keep your number or get a new one
- No long-term contract — cancel anytime
- On AT&T's network

Step Mobile was built to transform a confusing system filled with hidden fees into something transparent and fair.

---

### Marketplace

URL: https://step.com/marketplace

Partner deals and savings on everyday essentials across multiple categories:

- Shopping: Partner deals on everyday products
- Insurance: Compare car insurance quotes (partner: Insurify)
- Education: Test prep, tutoring, student lending, and language learning
- Gigs: Babysitting, job search, and resume optimization services
- Travel: Hotel points, flight deals, and travel rewards

---

### Step Black Perks

URL: https://step.com/step-black-perks

Step Black offers exclusive rewards and benefits through partner merchants:

Current Partner Perks:
- Alexandra Organic: $50 annual credit, 5x points on purchases
- ClassPass: 48-credit, 30-day free trial for first-time members
- inKind: $25 annual credit, 8x points on purchases
- WORN: $45 annual credit, 5x points on purchases
- Sofar Sounds: Exclusive ticket presale access 7 days early, free additional ticket
- Shipt: Free membership for 3 months, 50% off for 9 months (requires Step Black Metal Card)
- Visa Luxury Hotel Collection: Premium hotel benefits (requires Step Black Metal Card)
- Splendid Spoon: Partner credit available

Offers may be updated at any time. Current offers displayed in the Step app.

---

## Benefits & Products

### Step EarlyPay

URL: https://step.com/earlypay-get-paid-before-payday

Access up to $250 before payday. No credit check, no interest, and automatic repayment.

How It Works:
1. Apply in minutes — see how much you qualify for in a few clicks
2. Instant access — get up to $250 delivered to your Step account instantly
3. Automatic repayment — paid back with 0% APR when you receive your next paycheck via direct deposit

Key Benefits:
- Step Black included (up to 10% cashback, $500/yr in perks)
- Build credit with every purchase
- 3.00% on savings
- 0% APR — no interest
- Flexible borrowing from $20 to $250

Eligibility: Must be 18+. Loans over $100 require minimum qualifying direct deposit. Repayment due when paid or in 2 weeks, whichever is earlier.

---

### Build Credit

URL: https://step.com/build-credit

Build credit for free by using your Step Visa Card. No credit score required to get started.

Step users in their 20s improve their score by an average of 57 points. Step users have an average initial credit score of 721.

How It Works:
1. Use your card
2. Build credit history — transaction history reported to credit bureaus

Better Credit Saves Money:
- Car Insurance: $147/mo vs $250/mo
- Student Loan Rates: 6.24% vs 10.46%

Key Facts:
- The Step Visa Card is a secured credit card — you can't overspend
- Smart Pay automatically pays off purchases monthly
- Transaction history reported to Experian, Equifax, and TransUnion
- Up to 2 years of history reported after adult account verification
- Monthly credit reporting updates
- No cost — credit reporting included with Step
- No credit check required to sign up

---

### Save

URL: https://step.com/save

Earn 3.00% on savings with Step Black. FDIC-insured up to $1,000,000 through Evolve Bank & Trust. No savings minimums, no fees.

Features:
- Save spare change with Round Ups
- Set savings goals
- No minimums, no limits, no fees

How to Qualify for 3.00%:
- Subscribe to Step Black with a monthly direct deposit of $500+ (free) or pay $4.99/month
- Step Black accounts insured up to $1,000,000; standard accounts up to $250,000
- Rate aligns closely with the Federal Funds Rate
- Savings percentage represents cash rewards funded by Step (not interest)

---

### Direct Deposit

URL: https://step.com/direct-deposit

Set up direct deposit to unlock Step benefits: get paid up to 2 days early, unlock Step Black for free, and access Step EarlyPay up to $250.

How to Set Up:
1. Open an account — download Step and sign up for free
2. Connect to payroll — connect to your employer without leaving the app
3. Choose an amount — deposit $500+ monthly for premium benefits for free

Other Banking Features:
- Mobile check deposit
- Send and receive money
- Deposit cash at 70,000+ retail locations (7-Eleven, Walgreens)
- 30,000+ in-network ATMs

Direct deposit $500+/month = Step Black for free (up to 10% cashback, 3.00% savings, $500 in annual perks).

---

### Rewards

URL: https://step.com/rewards

Get up to 10% cashback on groceries, essentials, entertainment, and more. Step Black adds 1% cashback on every purchase.

Features:
- Up to 10% cashback on select brands
- Step Black stacks additional 1% on every purchase
- Play games and get paid through Step Earn
- Refer friends: you get $50, they get $50

Points System:
- Points never expire (while account is open)
- Each point = 1 cent (500 points = $5, 1,000 = $10, 2,500 = $25)
- Redeem for cash to Step account or gift cards

Step Black members earn over $240/year in cashback and savings rewards on average.

---

### Investing

URL: https://step.com/investing

Invest with as little as $1. Buy and sell thousands of stocks with zero commission fees. Trade whole or fractional shares.

Features:
- Tailored to your risk profile (Low, Moderate, High)
- Trade whole or fractional shares
- Invest spare change with Round Ups on every purchase
- Zero commission fees

Deposits are FDIC-insured up to $250,000 through Evolve Bank & Trust. Stock accounts are SIPC-insured up to $500,000 through DriveWealth, LLC.

Users under 18 need a parent or guardian to create an investing account.

---

## Education

For financial education articles, see the links below:

- [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

### Privacy Policy

URL: https://step.com/policies/privacy

Last Updated: June 13, 2025

Step Mobile, Inc. collects personal information through its website and mobile app. The policy covers users under 18, their parents or guardians, and users under 13.

Information Collected:
- Identification: names, addresses, SSN, phone numbers, email, date of birth, government IDs
- Technical: usage data, IP addresses, location, device IDs, browser types
- Third-party sources: identity verification services, credit bureaus, financial institutions

How Information Is Used:
- Account management and service delivery
- Identity verification and fraud prevention
- Marketing (with opt-out available)
- Legal compliance

Information Sharing:
- Credit reporting agencies
- Service providers under confidentiality agreements
- Banking partners (Evolve Bank & Trust, Visa, DriveWealth)
- Legal/regulatory compliance

User Rights:
- Unsubscribe from marketing communications
- Request account termination or data deletion at privacy@step.com
- California residents: CCPA rights including access, correction, deletion, and opt-out of data sales

---

### Children's Privacy (COPPA)

URL: https://step.com/policies/coppa

Last Updated: June 20, 2025

Step implements safeguards to protect children's privacy. When a user under 13 creates an account, Step requests parental contact information to obtain verifiable consent before collecting additional information.

Information collected from children: name, date of birth, phone number, email address, mailing address, plus technical data and cookies.

Parents can contact privacy@step.com to access, review, update, or request deletion of their child's personal information.

---

### Disclosures

URL: https://step.com/policies/disclosures

Last Updated: May 11, 2023

Credit Building: Step Visa Card reports positive credit history to TransUnion, Experian, and Equifax when accounts remain in good standing. Users can build credit for up to two years before turning 18.

Savings and Rewards: Step accounts earn cash rewards (not interest) at rates equivalent to 3.00% APY, variable and may change. Requires Step Black enrollment through qualifying direct deposit or $4.99 monthly. Step Black members receive 10% cashback with select partners and unlimited 1% cashback elsewhere.

Banking Services: Step is a fintech company; banking services provided by Evolve Bank & Trust (Member FDIC). FDIC deposit insurance covers up to $250,000 standard, up to $1,000,000 for Step Black users through the Bank Deposit Custodial Program.

Step EarlyPay: Repay loans when you receive your paycheck or within 2 weeks, whichever comes first. Applicants must be 18+. Loans over $100 require qualifying direct deposits.

Step Mobile: Ultra Unlimited plan includes uncapped high-speed premium data on AT&T's 5G network. Cancel anytime through the app.

---

## Support

### FAQ

URL: https://step.com/faq

Getting Started:
- Anyone can open a Step account — there is no age requirement
- Users under 18 need a parent or guardian on the account
- Must be a US resident to create an account
- No credit check is performed
- Virtual card issued instantly; physical card arrives in 14-21 business days
- Card works internationally wherever Visa is accepted

What Is Step:
- A free banking platform partnering with Evolve Bank & Trust (FDIC member since 1934)
- No monthly, overdraft, minimum, or account management fees
- Revenue comes from interchange fees paid by merchant banks
- Accounts FDIC-insured up to $250,000

Step Visa Card:
- Secured credit card tied to account balance — prevents overspending
- Smart Pay automatically pays off monthly purchases
- Works anywhere Visa is accepted (chip, swipe, contactless, digital wallets)
- 30,000+ free in-network ATMs
- Reports positive payment history to credit bureaus once user turns 18 and verifies adult status

Adding Money:
- Link another bank's debit card for instant transfers
- Connect bank accounts via Plaid
- Set up direct deposit (paychecks may arrive up to 2 days early)
- Deposit cash at 70,000+ retail locations
- Routing number: 084106768

Parent-Managed Accounts:
- Available for children age 6 and older
- Parent controls spending limits, savings goals, and card management
- Child does not need their own phone
- Can transition to independent account when ready

---

### Security

URL: https://step.com/security

Step protects accounts with multiple security layers:

- Biometric security — only you can access your account
- 24/7 fraud monitoring and security
- Freeze your account in seconds
- Report unauthorized charges in seconds
- All personal information is encrypted
- FDIC insurance up to $1,000,000 through Evolve Bank & Trust
- Visa's Zero Liability Protection for unauthorized charges

7M+ users. Featured in Insider, Forbes, Reuters, Fast Company, TechCrunch. 100,000+ reviews.