GET MORE WITH DIRECT DEPOSIT

Set up your qualifying direct deposit and unlock a world of benefits from getting paid early ̊ to winning monthly prizes, earning 4.00% ̾ on your savings, and more.

Maximize My Paycheck

ENJOY THE BENEFITS OF DIRECT DEPOSIT

Get paid early

With direct deposit, you can get your paycheck up to 2 days early, every time you get paid.

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Score monthly prizes

Win up to $5,000 cash, shopping sprees, iPads, and more every month by entering our Direct Deposit Sweepstakes.

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Unlock Step Black for free

Enjoy 4.00% on your savings, up to 8% cashback ^˖^˖, and perks ͑ that let you do more for less.

Access extra cash

Get up to $250 to help cover emergencies, rent, or bills. Eligibility requirements apply.͋

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HOW TO SET IT UP

Open an account

Download the Step app and sign up for free. It’s easy!

Connect to payroll

Connect to your employer’s payroll provider without leaving the app.

Choose an amount

Deposit $500+ monthly via direct deposit to get premium banking benefits for free.

OTHER BANKING FEATURES

Mobile check deposit

Deposit checks directly into your Step account from the comfort of your couch. Eligibility requirements apply.

Send & receive money

Pay your bills, get paid, pay friends, and more – all right from your Step app.

Deposit cash

Add cash to your Step Account at one of 70,000 retail locations, like 7-Eleven and Walgreens.

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Convenient ATMs

Conveniently access over 30,000 in-network ATMs. Find the closest one with the Step app.

WE KNOW WHAT YOU'RE WONDERING...

What is direct deposit and how does it work?

Instead of waiting for a paper check in the mail, direct deposit allows you to automatically receive your hard-earned paychecks into your Step or Step Black Account. It’s convenient, secure, and saves you a trip to the bank.

How do you set up Step direct deposit?

Setting up direct deposit with Step is simple. Open the Step app, tap on Move Money, and select Direct Deposit. You can set it up instantly by choosing your employer, signing in to your payroll provider, and setting your deposit allocations.

If your employer isn't listed, you can either share a prefilled direct deposit form with them or manually copy your account and routing numbers to provide directly.

How early do you get paid with Step direct deposit?

When you set up direct deposit in the Step app, your paycheck will be available as soon as Step receives it. That’s often up to two days earlier than you’d get it at some traditional financial institutions.

Can I really get Step Black for free with direct deposit?

Yes! To get Step Black for free, simply receive $500 or more in monthly direct deposits.

With Step Black, you'll enjoy premium benefits like up to 8% cashback on purchases, 4.00% on your FDIC-insured savings, and $500 in annual perks — like dining, shopping, and entertainment credits.