Step: Bank & Build Credit 4+

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.

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 💙💗💛

So I’ve been using step for about a little over a year now and I like it, it’s a pretty cool app/bank. If you’re starting out on credit like I am it’s really good for that. I’m able to borrow up to just under $100 if I need to however, for the longest time (and I mean a good 6 months) I wasn’t able to because my card was declined when I accidentally used that one instead of my other card for tap pay on my phone. So that’s one thing I had a problem about. I’m tryna build credit here and it just got taken away😭😂. Another thing is finding an atm to withdraw money. I think this might just be a me problem but I can’t find an atm to save my life. I think it’s just my area however. And the last minor problem I have is Apple Pay. I send and receive money a lot through Apple Pay and it would be nice to be able to do that without having to keep my other bank account open just for that. I literally have another bank account open just to send and receive money and be able to deposit and take out cash. But other than that I love the fact it tells you what’s impacting your credit and what you need to do to get it up. Overall I give it 4 stars just because the good outweighs the bad. The problems I have aren’t keeping me from doing anything, just making everything have an extra step so I can’t hate it for that.

Hi there! We'll be sure to share your feedback about Apple Pay to our team. We're happy to know the Borrow feature has been helpful to you! If you're having trouble with your Step card, please reach out to us through the app or by emailing us at hello@step.com! To clarify - the credit you've built by using your Step card will never be taken away, as Step only reports positive credit. Step builds credit based on your transaction history, not based on the Step card itself. To find out more, please reach out! 💙💗💛

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.

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! 💙💛💗