Banking ForThe NextGeneration
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A financial platform that powers your adventures, hustle and future.
The best way to build credit
(even before you turn 18)
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 Liability² guarantee for unauthorized charges
A spending card designed to grow with you
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% and 15.13% for existing ones3. You don’t pay any interest with your Step Visa Card.
Make Smarter Money Moves
Build your credit4
Build credit with everyday purchases, even before you turn 18. Good credit can save you money on things like car insurance and student loans.
Invest5 in your future
Don’t wait until you’re 18 to learn how to invest responsibly. Buy fractional shares of thousands of stocks6 and bitcoin7 with as little as $1.
Crush your savings goals
Create goals for all your wants and needs. Round up purchases to the next dollar to automatically add the spare change to your savings.
with Direct Deposit
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 mail.
Save money instantly when you use your Step Visa Card at participating merchants. Refer friends to Step and we’ll give you both a cash bonus.
Pay with flexibility
Buy what you want today and pay over time or borrow money to cover an upcoming purchase. Eligibility and limits requirements apply.
Send and Receive Money
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.