GET MORE WITH DIRECT DEPOSIT

Set up your qualifying direct deposit and unlock a world of benefits from getting Step Black free, to getting paid early, to earning 3.00% 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.

Unlock Step Black for Free

Status should be earned, not paid for. With $300 in monthly direct deposit or $500 in monthly card spend, you can unlock premium banking that lets you borrow up to $500 with EarlyPay ^˟, earn 3.00% on your savings,̾ get unlimited cashback, ^˖ ^˖ and so much more.

Access extra cash with EarlyPay & Step Black

Get up to $500 to help cover emergencies, rent, or bills. Eligibility requirements apply.^˟

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.

You are in control

You decide how much of your paycheck to deposit, but with just $300+ monthly you earn Step Black and unlock all the 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.

Get Started

Convenient ATMs

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

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 $300 or more in monthly direct deposits or $500 in monthly card spend.

With Step Black, you'll enjoy premium benefits like up to 10% cashback from select merchants and 1% everywhere else, 3.00% on your FDIC-insured savings, and more!

GET MORE WITH DIRECT DEPOSIT

ENJOY THE BENEFITS OF DIRECT DEPOSIT

HOW TO SET IT UP

OTHER BANKING FEATURES

WE KNOW WHAT YOU'RE WONDERING...