The next generation deserves a better financial future

We believe everyone deserves access to banking that helps them become financially independent. That’s why we’ve built a financial platform that empowers people under 18 and adults to build credit history¹, invest², save, and spend.

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Being good With money doesn’t come naturally

It has to be learned. But most schools don’t cover money skills in their curriculum and the trial-and-error approach can be costly -- especially with traditional banks and credit card companies.

These are just a few of the problems that we’re passionate about solving at Step.


of surveyed teens are concerned about not being able to afford living on their own.1


18-25 year olds pay 3X as much in banking fees than older generations.2


of surveyed students said they didn’t have any financial literacy classes in high school.3


Founded by financial industry veterans.

Step was founded by financial industry veterans CJ MacDonald and Alexey Kalinichenko to provide people with financial tools they need to make smart money decisions earlier. The Step team has 50+ years of combined financial technology experience across companies like Affirm, Google, Gyft, Cash App, Square, and Stripe.

Over $500 Million Raised from investors who believe in our mission


Championed by money saving investors