Step: Bank & Build Credit 4+

Banking that rewards you

Step Mobile Inc.

    • Free

iPhone Screenshots

Description

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 with the Step Visa Card – with no risk of overspending. 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.

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 4.00% on your savings: Create Savings Goals and automatically add spare change to them with Round Ups to earn 4.00% 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.

*Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC.

**Visa’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.

***Out-of-network ATM withdrawal fees apply.

****Early 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.

What’s New

Version 24.5.0

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.

Ratings and Reviews

4.7 out of 5
70.1K Ratings

70.1K Ratings

AngryAppleBoy#1 ,

Well Designed and Financially Helpful

I have been banking with Step for 2 years now. And, as a teen myself… being able to get a jumpstart on building credit history before 18 is something I believe is very crucial. I am so glad an app like Step is so available and able to offer that to millions of teens. The card itself is amazing, it is a credit card. However, you can only spend what is in your account, so no over-drafting or debt! Additionally, I haven’t had any issues, refunds are always fast, customer service is always helpful and kind, and the app itself is very thoughtfully planned out and designed. I enjoy it thoroughly. As a result, I have decided to try out their premium program, Step Black. I have been nothing but satisfied and hope they continue to improve. I have recommended this company to many of my friends and colleagues, all so far have been satisfied as well.

Developer Response ,

Thank you so much for your incredible review, AngryAppleBoy#1! We are elated to hear that Step has been a crucial and helpful part of your financial growth. We're also excited to know that you've become a Step Black member! Enjoy those benefits :). Thank you again for your review and for being a part of our #StepFam 💙💗💛

appleoly ,

I need help logging in

Hello step! Recently I started to use this app and I love it, but my main concern is the log in options. I just want to know why there is only one option for logging in. Recently I had to reset my Apple ID which caused me to have to log into everything, and yes even though it’s quite irresponsible of me, I used the opposite of my main gmail to log in just in case it wasn’t legit. When my phone got reset, my gmail accounts did also. The account I signed in with, I can’t remember the password or name of the account. I’m currently experiencing money problems and if I can’t log into my account, I’d just have to go to another app. Im honestly really worried because I currently have money on there. I don’t know if you can but I was wondering if you guys could change my email?.. I tried to do it from the outside but even then it wasn’t working. I’m seriously concerned and really worried because now and days no one really carries cash which means I have to adapt. Btw, my phone number to the account is my actual phone number but the gmail isn’t. I thought that I could find some sort of way to get a verification sent to my phone number but I just couldn’t.

Developer Response ,

Hi there, we're sorry to hear you're having trouble with getting back into your Step account. We can check into this with you! Please send us a message via your Step App, or through email at hello@step.com. We look forward to getting you logged in with Step again! 💙💛💗

brklyn. ,

My Money Was Stolen

I have been banking with Step for nearly a year now. I loved this bank until recently. A couple of weeks ago, I don’t know how but my virtual card information was stolen and used to make a $40 purchase with a company located on the other side of America from me. I opened a dispute, which was closed after a “thorough investigation” concluded that the transaction was “fully authorized” by me. I made several complaints pressuring the dispute to be reopened. I am a high school student-athlete, and a graduating senior. I am already very tight on money having to prepare for prom and graduation, and I do not have a job or source of income considering I am a full-time athlete. An internal transfer for “Account Recoupment” led to the $23 and change of my remaining balance being taken from me by Step. My balance is now $0.00. Apparently Step contacted the company the unknown transaction was made with and got me a refund. The refund is $25 and change, not the full $40 amount. I am extremely upset. I don’t even know where the refund will be sent to, if not my account sponsor’s card. I hope my experience helps any of you make a decision before downloading this app and begin banking with Step.

Developer Response ,

Hi brklyn., we appreciate you taking the time to write a review. We are happy to take a look into the dispute that you've filed and see what exactly is going on with the charge along with the $23 account recoupment transfer you're seeing in your app. Please send us a chat in your Step app or write to hello@step.com so that we can take a further look into this with you.

App Privacy

The developer, Step Mobile Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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