Banking forThe NextGeneration
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Earn 5.00% on your savings¹, build credit, invest, and get rewarded all in one place.
Earn 5.00% on your savings1
With a qualifying direct deposit
Banking services are provided by Evolve Bank & Trust and FDIC-insured up to $250,000¹
Powered by Visa with built-in fraud protection and Zero Liability³ guarantee for unauthorized charges
The best way to build credit history2
(even before you turn 18)
Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank.
No monthly fees
No subscription fees. No account minimum fees. No in-network ATM fees. You worked hard to earn your money, so you should keep it.
No overdraft fees
Your Step Account prevents you from spending more than what’s in your spending account so you don’t have to worry about overdrafting.
The average credit card interest rate for new cards is 19.13%⁴. You don’t pay any interest with your Step Visa Card.
Make Smarter Money Moves
Build your credit history
Build credit history with everyday purchases, even before you turn 18². Good credit can save you money on things like car insurance.
Invest in your future
Don’t wait until you’re 18 to learn how to invest⁵ responsibly. Buy fractional shares of thousands of stocks⁶ and bitcoin⁷ with as little as $1.
Earn more on your savings
Earn 5.00% on your savings balance up to $250,000 with a monthly qualifying direct deposit¹. No minimums or withdrawal restrictions.
pay and get paid
Get your paycheck earlier
Set up direct deposit and get your paycheck up to 2 days earlier than if you were to use a traditional bank or get your check in the mail⁸.
Earn rewards on everyday spend
Score points⁹ when you use your Step Visa Card to eat out, order in, subscribe to your favorite streaming services, and more. Redeem your points for cash.
Pay over time
Get money back from a recent purchase and paying for it in smaller increments over time. Eligibility and limits requirements apply.
and Receive Money
To Step Users
Stephen Curry, 4X NBA CHAMPION & CEO at SC30
“I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.”
“My credit score is 734 and I just turned 18...”
“I love this app...”
“A head start in my financial journey...”
“I love the credit building feature...”
“It helps me to save for things I want...”
“This app has given me so much freedom...”
Participants may be compensated for their participation.