Step

Editor's Review

Step is revolutionizing the way you handle your finances! 🎉 This free banking app is designed to help you build better credit, save more effectively, and unlock amazing rewards. With Step Black, you can earn up to a whopping 8% cashback on your purchases and build your credit score without the risk of overspending. 💳 Plus, enjoy a generous 4.00% interest on your FDIC-insured savings and take advantage of $500 in annual perks – all designed to help you get more for less. 🎁

Join over 5 million users who trust Step to help them achieve their financial goals. Step offers a modern approach to banking, tailored to your needs. 🏦

Here’s a closer look at the incredible benefits Step offers:

• Build Credit: Effortlessly build your credit score with every purchase you make using the Step Visa Card. Monitor your progress directly within the app. On average, Step users in their 20s see an annual credit score increase of 57 points! 📈
• Earn Cashback: Use your Step Card anywhere Visa is accepted – online, in-store, worldwide – and earn up to 8% cashback on eligible purchases. 💰
• Boost Savings: Set up Savings Goals and automatically round up your spare change to earn 4.00% on every penny saved. It’s an easy way to grow your savings without even thinking about it! 🐷
• Get Paid Early: With direct deposit, you can get paid up to 2 days early! Plus, enter to win exciting monthly prizes like cash, laptops, and shopping sprees when you have direct deposits of $150 or more. 💸
• Move Money Easily: Instantly send and receive money with friends and family. Deposit cash at over 70,000 retail locations nationwide and access over 30,000 fee-free ATMs. 💸
• Start Investing: Invest in thousands of stocks, ETFs, and even Bitcoin with as little as $1. Turn your spare change into smart investments with the Round Ups feature. 📈

Step is not just a banking app; it’s your partner in financial success. Start your journey today! 🚀

*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.

Features

• Build credit with the Step Visa Card

• Earn up to 8% cashback on purchases

• Earn 4.00% on your savings

• Get paid up to 2 days early

• Send and receive money instantly

• Deposit cash at 70,000+ retail locations

• Access over 30,000 fee-free ATMs

• Invest in stocks, ETFs, and bitcoin

Pros

• Build credit safely with every purchase

• Earn up to 8% cashback on purchases

• Earn 4.00% on your savings

• Get paid up to 2 days early

• Instantly send and receive money

• Invest with as little as $1

Cons

• ATM withdrawal fees may apply

• Early access to direct deposit depends on payer