# Step

> Step is a free banking platform for teens, young adults, and families, offering a Visa card that builds credit history, a savings account, cashback rewards, and cash-advance features.

Anyone can open a Step account; users under 18 need a parent or guardian to open the account on their behalf. Banking services are provided by Evolve Bank & Trust, Member FDIC, and the Step Visa Card is a secured Visa card that works anywhere Visa is accepted. Step reports positive payment history to TransUnion, Experian, and/or Equifax once the account holder turns 18 and verifies as an adult; up to two years of prior on-time history can be reported at that time. Step users in their 20s see an average 57-point credit score increase in their first year, Step users start with an average credit score of 721, and Step members who start building credit with Step begin 125 points above the national average. Step Black is free with a qualifying direct deposit or $4.99/mo, and unlocks 3.00% savings rewards, up to 10% cashback with select partners plus 1% everywhere else, Step EarlyPay cash advances up to $250 with no interest, and FDIC insurance eligibility up to $1,000,000 through Program Banks.

## Core Pages

- [Step Home](https://step.com/): Overview of the Step banking platform, the Step Visa Card, savings, cashback, and EarlyPay.
- [About Step](https://step.com/about): Company mission, founding story, leadership, and the Beast Industries acquisition.
- [Careers at Step](https://step.com/careers): Open roles, hiring philosophy, and how to apply to work at Step.
- [Financial Education](https://step.com/education): Entry point for Step's financial literacy content and Money 101 resources.
- [Step for Families](https://step.com/families): How parents can open Step accounts for kids and teens to build credit history before turning 18.
- [Step Marketplace](https://step.com/marketplace): Partner offers and discounts on shopping, insurance, education, travel, and more.
- [Step Mobile Phone Plans](https://step.com/phone-plans): Ultra Unlimited 5G phone plan on AT&T's network for $35 per month.
- [Step Black Perks](https://step.com/step-black-perks): Premium partner benefits, credits, and rewards included with the Step Black subscription.

## Benefits & Products

- [Build Credit with Step](https://step.com/build-credit): Build credit history with the secured Step Visa Card, no credit check required, using Smart Pay to automatically pay each statement in full.
- [Direct Deposit](https://step.com/direct-deposit): Set up direct deposit to get paid up to 2 days early and unlock Step Black for free with $500+/month in qualifying deposits.
- [Step EarlyPay](https://step.com/earlypay-get-paid-before-payday): Borrow up to $250 before payday with 0% APR and automatic repayment from your next direct deposit.
- [Investing with Step](https://step.com/investing): Buy and sell stocks and ETFs with no commissions, including fractional shares from as little as $1.
- [Rewards & Cashback](https://step.com/rewards): Earn up to 10% cashback with select Step Black partners and 1% everywhere else, plus referral bonuses.
- [Savings](https://step.com/save): Earn 3.00% savings rewards with Step Black, FDIC-insured up to $1,000,000 through Program Banks.

## Education

- [Money 101](https://step.com/money-101): Landing page for Step's financial education library covering credit, saving, investing, and more.
- [Banking Basics](https://step.com/money-101/banking-basics): Introductory articles on how bank accounts, debit cards, fees, and transactions work.
- [Budgeting & Purchasing Decisions](https://step.com/money-101/budgeting-purchasing-decisions): Guides for building a budget and making smart spending choices.
- [Build Credit](https://step.com/money-101/build-credit): Educational articles on how credit scores work and how to build credit responsibly.
- [Investing](https://step.com/money-101/investing): Beginner-friendly guides to stocks, ETFs, and long-term investing concepts.
- [Making Money & Saving](https://step.com/money-101/making-money-and-saving): Articles on earning income, side hustles, and building savings habits.
- [Phone Plans](https://step.com/money-101/phone-plans): Guides comparing wireless carriers, plans, and features.
- [Top Videos](https://step.com/money-101/top-videos): Curated video explainers on personal finance topics.
- [10 Common Budgeting Mistakes To Avoid](https://step.com/money-101/post/10-common-budgeting-mistakes-to-avoid): Money 101 financial education article.
- [10 Creative Ways To Save Money You've Probably Never Thought Of](https://step.com/money-101/post/10-creative-ways-to-save-money-youve-probably-never-thought-of): Money 101 financial education article.
- [15 Side Business Ideas Gen Z Can Start With $500 Or Less](https://step.com/money-101/post/15-side-business-ideas-gen-z-can-start-with-usd500-or-less): Money 101 financial education article.
- [3 Easy Ways To Get Into The Habit Of Saving Money](https://step.com/money-101/post/3-easy-ways-to-get-into-the-habit-of-saving-money): Money 101 financial education article.
- [3 Tips For Making The Most Of Your Summer Job Or Internship](https://step.com/money-101/post/3-tips-for-making-the-most-of-your-summer-job-or-internship): Money 101 financial education article.
- [4 Common Banking Fees & How To Avoid Them](https://step.com/money-101/post/4-common-banking-fees-how-to-avoid-them): Money 101 financial education article.
- [5 Common Tax Mistakes That Can Delay Your Refund](https://step.com/money-101/post/5-common-tax-mistakes-that-can-delay-your-refund): Money 101 financial education article.
- [5 Good Money Habits To Start Developing Now](https://step.com/money-101/post/5-good-money-habits-to-start-developing-now): Money 101 financial education article.
- [5 Reasons Responsible Borrowing Matters](https://step.com/money-101/post/5-reasons-responsible-borrowing-matters): Money 101 financial education article.
- [5 Ways To Make Money Online](https://step.com/money-101/post/5-ways-to-make-money-online): Money 101 financial education article.
- [A Beginner's Guide To Budgeting: How To Get Started](https://step.com/money-101/post/a-beginners-guide-to-budgeting-how-to-get-started): Money 101 financial education article.
- [A Guide To Investing For Teens](https://step.com/money-101/post/a-guide-to-investing-for-teens): Money 101 financial education article.
- [A Parent's Guide: How To Set Up Efficient Banking For Teens](https://step.com/money-101/post/a-parents-guide-how-to-setup-efficient-banking-for-teens): Money 101 financial education article.
- [A Teen's Guide To Earning Money](https://step.com/money-101/post/a-teens-guide-to-earning-money): Money 101 financial education article.
- [Automate Your Savings: The Smarter Way To Grow Money](https://step.com/money-101/post/automate-your-savings-in-2025-the-smarter-way-to-grow-money): Money 101 financial education article.
- [Best Prepaid Phone Plans With Unlimited Data](https://step.com/money-101/post/best-prepaid-phone-plans-with-unlimited-data-in-2025): Money 101 financial education article.
- [Borrow Like A Pro: How Loans Can Help Stretch Your Budget](https://step.com/money-101/post/borrow-like-a-pro-how-loans-can-help-to-stretch-your-budget): Money 101 financial education article.
- [Borrowing Money: The Smart, The Risky, And The Expensive Options](https://step.com/money-101/post/borrowing-money-the-smart-the-risky-and-the-expensive-options): Money 101 financial education article.
- [Cash Advances For Gig Workers](https://step.com/money-101/post/cash-advances-for-gig-workers): Money 101 financial education article.
- [Common Credit Mistakes](https://step.com/money-101/post/common-credit-mistakes): Money 101 financial education article.
- [Common Credit Mistakes Young Adults Can Avoid](https://step.com/money-101/post/common-credit-mistakes-young-adults-can-avoid-in-2025): Money 101 financial education article.
- [Common Credit Report Errors That Could Be Hurting Your Score](https://step.com/money-101/post/common-credit-report-errors-that-could-be-hurting-your-score): Money 101 financial education article.
- [Credit Vs Debit: Which Is Better For Your Everyday Spending](https://step.com/money-101/post/credit-vs-debit-which-is-better-for-your-everyday-spending): Money 101 financial education article.
- [Different Types Of Credit Cards](https://step.com/money-101/post/different-types-of-credit-cards): Money 101 financial education article.
- [Do Personal Loans Build Credit](https://step.com/money-101/post/do-personal-loans-build-credit): Money 101 financial education article.
- [Does A Hard Credit Check Affect Your Credit Score](https://step.com/money-101/post/does-a-hard-credit-check-affect-your-credit-score): Money 101 financial education article.
- [Does A Cash Advance Affect Your Credit Score](https://step.com/money-101/post/does-cash-advance-affect-your-credit-score): Money 101 financial education article.
- [Does Paying Bills Help Build Your Credit](https://step.com/money-101/post/does-paying-bills-help-build-your-credit): Money 101 financial education article.
- [Everything You Need To Know About Investing: A Beginner's Guide](https://step.com/money-101/post/everything-you-need-to-know-about-investing-a-beginners-guide): Money 101 financial education article.
- [Get An Advance On Your Paycheck](https://step.com/money-101/post/get-an-advance-on-your-paycheck): Money 101 financial education article.
- [Hard Pull Vs Soft Pull: What Actually Happens When You Check Your Credit](https://step.com/money-101/post/hard-pull-vs-soft-pull-what-actually-happens-when-you-check-your-credit): Money 101 financial education article.
- [Here's How To Budget In Your Teens](https://step.com/money-101/post/heres-how-to-budget-in-your-teens): Money 101 financial education article.
- [How Can A Teenager Build Credit](https://step.com/money-101/post/how-can-a-teenager-build-credit): Money 101 financial education article.
- [How Do Credit Scores Work](https://step.com/money-101/post/how-do-credit-scores-work): Money 101 financial education article.
- [How Step Builds Credit](https://step.com/money-101/post/how-step-builds-credit): Money 101 financial education article.
- [How Step EarlyPay Works](https://step.com/money-101/post/how-step-earlypay-works): Money 101 financial education article.
- [How The Step Card Works](https://step.com/money-101/post/how-the-step-card-works): Money 101 financial education article.
- [How To Budget Like A Boss: Introducing The 50-30-20 Rule](https://step.com/money-101/post/how-to-budget-like-a-boss-introducing-the-50-30-20-rule): Money 101 financial education article.
- [How To Build Credit As A College Student](https://step.com/money-101/post/how-to-build-credit-as-a-college-student): Money 101 financial education article.
- [How To Build Credit At 18](https://step.com/money-101/post/how-to-build-credit-at-18): Money 101 financial education article.
- [How To Build Credit At 18: Playbook](https://step.com/money-101/post/how-to-build-credit-at-18-playbook-2026): Money 101 financial education article.
- [How To Create A Weekly Budget Plan For Students](https://step.com/money-101/post/how-to-create-a-weekly-budget-plan-for-students): Money 101 financial education article.
- [How To File Your Taxes For Free With Step](https://step.com/money-101/post/how-to-file-your-taxes-for-free-with-step): Money 101 financial education article.
- [How To Get Emergency Cash Fast Without High Fees Or Credit Checks](https://step.com/money-101/post/how-to-get-emergency-cash-fast-without-high-fees-or-credit-checks): Money 101 financial education article.
- [How To Get Small Cash Advance Loans Without High Fees](https://step.com/money-101/post/how-to-get-small-cash-advance-loans-without-high-fees): Money 101 financial education article.
- [How To Get Your First Auto Loan Without A High Credit Score](https://step.com/money-101/post/how-to-get-your-first-auto-loan-without-a-high-credit-score): Money 101 financial education article.
- [How To Make Money Playing Games With Step Earn](https://step.com/money-101/post/how-to-make-money-playing-games-with-step-earn): Money 101 financial education article.
- [How To Make Money Playing Solitaire](https://step.com/money-101/post/how-to-make-money-playing-solitaire-in-2025): Money 101 financial education article.
- [How To Maximize Your Tax Refund](https://step.com/money-101/post/how-to-maximize-your-tax-refund-in-2025): Money 101 financial education article.
- [How To Pay For College Without Drowning In Debt](https://step.com/money-101/post/how-to-pay-for-college-without-drowning-in-debt): Money 101 financial education article.
- [How To Set Up A Bank Account For Your Teen](https://step.com/money-101/post/how-to-set-up-a-bank-account-for-your-teen): Money 101 financial education article.
- [How To Spend Money Wisely In Your Teens](https://step.com/money-101/post/how-to-spend-money-wisely-in-your-teens): Money 101 financial education article.
- [How To Stop Overdraft Fees](https://step.com/money-101/post/how-to-stop-overdraft-fees): Money 101 financial education article.
- [Is Zelle Safe](https://step.com/money-101/post/is-zelle-safe-in-2025): Money 101 financial education article.
- [Loud Budgeting: TikTok Trend Turned Solid Financial Advice](https://step.com/money-101/post/loud-budgeting-tiktok-trend-turned-solid-financial-advice): Money 101 financial education article.
- [Need A Small Cash Advance](https://step.com/money-101/post/need-a-small-cash-advance): Money 101 financial education article.
- [Paying Taxes On Profits: What You Need To Know About Stocks And More](https://step.com/money-101/post/paying-taxes-on-profits-what-you-need-to-know-about-stocks-crypto-and-more): Money 101 financial education article.
- [Snowball Vs Avalanche: The Best Ways To Pay Off Debt](https://step.com/money-101/post/snowball-vs-avalanche-the-best-ways-to-pay-off-debt): Money 101 financial education article.
- [Step's Tax Document Checklist](https://step.com/money-101/post/steps-tax-document-checklist): Money 101 financial education article.
- [Tax Benefits Of Charitable Giving: What Young Adults Should Know](https://step.com/money-101/post/tax-benefits-of-charitable-giving-what-young-adults-should-know): Money 101 financial education article.
- [Tax Season: A Beginner's Guide For Teens](https://step.com/money-101/post/tax-season-a-beginners-guide-for-teens): Money 101 financial education article.
- [The 57-Point Effect](https://step.com/money-101/post/the-57-point-effect): Money 101 financial education article on the average credit score improvement Step users see in their first year.
- [The Benefits Of Giving Back: How Donating Can Boost Your Financial Wellbeing](https://step.com/money-101/post/the-benefits-of-giving-back-how-donating-can-boost-your-financial-wellbeing): Money 101 financial education article.
- [The Teenager's Guide To Saving Money](https://step.com/money-101/post/the-teenagers-guide-to-saving-money): Money 101 financial education article.
- [Tracking Your Finances: A Guide For Teens](https://step.com/money-101/post/tracking-your-finances-a-guide-for-teens): Money 101 financial education article.
- [Understanding Loan Types: A Beginner's Guide](https://step.com/money-101/post/understanding-loan-types-a-beginners-guide): Money 101 financial education article.
- [Understanding Short-Term Loans](https://step.com/money-101/post/understanding-short-term-loans): Money 101 financial education article.
- [What Is A Credit Score](https://step.com/money-101/post/what-is-a-credit-score): Money 101 financial education article.
- [What Is On-Demand Pay: How It Works](https://step.com/money-101/post/what-is-on-demand-pay-how-it-works): Money 101 financial education article.
- [Why Is Building Positive Credit Important](https://step.com/money-101/post/why-is-building-positive-credit-important): Money 101 financial education article.
- [Will Student Loans Hurt My Credit When I Buy A Car](https://step.com/money-101/post/will-student-loans-hurt-my-credit-buy-a-car): Money 101 financial education article.
- [Is Fast Food Really Cheaper Than Cooking At Home](https://step.com/money-101/video/is-fast-food-really-cheaper-than-cooking-at-home): Money 101 video on food cost comparisons.

## Legal & Policies

- [Bank Sub Deposit Terms](https://step.com/bank-sub-deposit-terms): Terms governing sub-deposit accounts held with partner banks.
- [Cookie Declaration](https://step.com/cookie-declaration): Full list of cookies and tracking technologies used on step.com.
- [Policies Overview](https://step.com/policies): Index of Step's legal agreements, privacy notices, and product disclosures.
- [Account Agreement](https://step.com/policies/accountagreement): Terms governing the Step deposit account with Evolve Bank & Trust.
- [Automatic Payday Transfer Terms](https://step.com/policies/automatic-payday-transfer-terms): Terms for automatic transfers scheduled around payday.
- [Bank Deposit Custodial Program Agreement](https://step.com/policies/bank-deposit-custodial-program-agreement): Custodial program terms for Step Black FDIC insurance up to $1,000,000 across Program Banks.
- [Children's Privacy (COPPA)](https://step.com/policies/coppa): How Step handles personal information of users under 13, including the parental consent process.
- [Product Disclosures](https://step.com/policies/disclosures): Consolidated disclosures for credit building, savings, banking, investing, EarlyPay, and Step Mobile.
- [DriveWealth Agreements and Disclosures](https://step.com/policies/drivewealth-agreements-and-disclosures): Brokerage agreements from DriveWealth, LLC, custodian for Step investing accounts.
- [Electronic Communication Agreement](https://step.com/policies/eca): Consent to receive account documents and disclosures electronically.
- [Evolve Bank & Trust Consumer Privacy Notice](https://step.com/policies/evolve-bank-and-trust-consumer-privacy-notice): Evolve's federally required consumer privacy notice for Step banking customers.
- [Instant Transfer Terms](https://step.com/policies/instant-transfer-terms): Terms and fees for optional instant transfers.
- [Mobile Terms](https://step.com/policies/mobileterms): SMS and mobile messaging terms of use.
- [Pay Over Time Terms](https://step.com/policies/pay-over-time-terms-june-2023): Terms for Step's Pay Over Time installment feature.
- [Privacy Policy](https://step.com/policies/privacy): How Step collects, uses, and shares personal information, including California and GPC opt-out rights.
- [Rewards Points Terms](https://step.com/policies/rewards-points-terms): Terms for earning, redeeming, and forfeiting rewards points.
- [Rewards Terms](https://step.com/policies/rewards-terms): General rewards program terms and conditions.
- [Securities Risk Disclosures](https://step.com/policies/securities-risk-disclosures): Risk disclosures for stock and ETF investing on Step.
- [Smart Pay Agreement](https://step.com/policies/smartpayagreement): Terms for Smart Pay, which automatically pays your Step Visa Card statement in full.
- [Step Advisers LLC Risk Disclosure](https://step.com/policies/step-advisers-llc-risk-disclosure): SEC-registered investment adviser risk disclosure for Step Advisers, LLC.
- [Step Black Terms and Conditions](https://step.com/policies/step-black-terms-and-conditions): Subscription terms, benefits, and cancellation policy for Step Black.
- [Step Borrow Cash Pay In One Agreement](https://step.com/policies/step-borrow-cash-pay-in-one-agreement): Loan agreement for Step EarlyPay single-payment cash advances.
- [Step Consumer Privacy Notice](https://step.com/policies/step-consumer-privacy-notice): Federally required consumer privacy notice from Step Mobile, Inc.
- [Step Mobile Virtual Visa Debit Card Agreement](https://step.com/policies/step-mobile-inc-virtual-visa-debit-card-agreement): Cardholder agreement for the Step virtual debit card.
- [Step Premium Rewards Program Terms](https://step.com/policies/step-premium-rewards-program-terms-and-conditions): Terms for Step's premium rewards program benefits.
- [Step Product Disclosures](https://step.com/policies/step-product-disclosures): Complete product disclosures including credit, savings, investing, and banking details.

## Press

- [Press](https://step.com/press): Step's press room with company news and media coverage.
- [Beast Industries Acquires Step](https://step.com/press/beast-industries-acquires-step-expanding-its-platform-to-include-financial): Announcement of Beast Industries' acquisition of Step in 2026.
- [Step Honored For Innovation By The World Future Awards](https://step.com/press/step-honored-for-innovation-by-the-world-future-awards): Award recognition for Step's product innovation.
- [Step Launches Modern Mobile Plans](https://step.com/press/step-launches-modern-mobile-plans-to-empower-gen-z): Launch announcement for Step Mobile phone plans.
- [Step Named To CNBC's World's Top Fintech Companies List](https://step.com/press/step-named-to-cnbcs-worlds-top-fintech-companies-2025-list): CNBC ranked Step among the top fintech companies globally.
- [Step Wins Two Finder Innovation Awards](https://step.com/press/step-wins-two-finder-innovation-awards): Recognition from Finder for innovation in banking products.

## Support

- [FAQ](https://step.com/faq): Frequently asked questions about opening an account, adding money, cards, direct deposit, and parent-managed accounts.
- [Partners](https://step.com/partners): Overview of Step's partnerships and integrations for merchants and platforms.
- [Security](https://step.com/security): Information on how Step protects accounts with biometrics, encryption, fraud monitoring, and FDIC insurance.

## Optional

- [18th Birthday Cashback Offer](https://step.com/18th-birthday-cashback-offer): Limited-time cashback bonus for accounts turning 18.
- [18th Birthday First Direct Deposit Offer](https://step.com/18th-birthday-first-direct-deposit-offer): Limited-time bonus for the first direct deposit after turning 18.
- [Careers: Accounting Manager](https://step.com/careers/accounting-manager): Individual job listing.
- [Careers: Business Recruiter](https://step.com/careers/business-recruiter): Individual job listing.
- [Careers: Finance & Strategy](https://step.com/careers/finance-&-strategy): Individual job listing.
- [Careers: Lead Product Designer, Growth](https://step.com/careers/lead-product-designer,-growth): Individual job listing.
- [Careers: People Operations](https://step.com/careers/people-operations): Individual job listing.
- [Careers: Recruiting Coordinator](https://step.com/careers/recruiting-coordinator): Individual job listing.
- [Careers: Senior Backend Software Engineer](https://step.com/careers/senior-backend-software-engineer): Individual job listing.
- [Careers: Senior Machine Learning Engineer](https://step.com/careers/senior-machine-learning-engineer): Individual job listing.
- [Careers: Senior Mobile Software Engineer](https://step.com/careers/senior-mobile-software-engineer): Individual job listing.
- [Careers: Senior Product Manager, Lending](https://step.com/careers/senior-product-manager,-lending): Individual job listing.
- [Careers: Senior Web Software Engineer](https://step.com/careers/senior-web-software-engineer): Individual job listing.
- [Careers: Social Content Lead](https://step.com/careers/social-content-lead): Individual job listing.
- [Careers: Technical Recruiter](https://step.com/careers/technical-recruiter): Individual job listing.
- [Double Your Paycheck Sweepstakes](https://step.com/double-your-paycheck-sweepstakes-2026): Limited-time sweepstakes promotion landing page.
- [Limited-Time Offer: January Invite Friends](https://step.com/limited-time-offer-january-invite-friends): Limited-time referral promotion.
- [Limited-Time Offers](https://step.com/limited-time-offers): Hub for currently active limited-time promotions.
- [Step Black 7-Day Free Trial Guide](https://step.com/money-101/post/step-black-how-to-maximize-your-7-day-free-trial-build-credit-and-earn): Promotional article on maximizing the Step Black free trial.
- [November 2024 Holiday Sweepstakes](https://step.com/november-2024-holiday-sweepstakes): Archived holiday sweepstakes promotion.
- [Daily Trivia Policy](https://step.com/policies/policies.dailytrivia): Contest terms for the Daily Trivia feature.
- [Welcome Offer Policy](https://step.com/policies/policies.welcomeoffer): Terms for Step's welcome bonus offers.
- [Step Daily Trivia Challenge Contest](https://step.com/policies/step-daily-trivia-challenge-contest): Official rules for the Daily Trivia Challenge contest.
- [Referral: BUGHA](https://step.com/r/BUGHA): Creator referral landing page.
- [Referral: TOOSH](https://step.com/r/TOOSH): Creator referral landing page.
- [Step Black Rules & Disclaimers](https://step.com/step-black-rules-and-disclaimers): Additional Step Black promotional rules and disclaimers.
- [Step Daily Trivia Challenge Official Rules](https://step.com/step-daily-trivia-challenge-official-rules): Official rules for the Daily Trivia Challenge.
- [Step Welcome Back Bonus Offer Terms](https://step.com/step-welcome-back-bonus-offer-terms-and-conditions): Terms for the welcome back bonus promotion.
- [Tax Refund Sweepstakes Official Rules](https://step.com/tax-refund-sweepstakes-promotion-direct-deposit-official-rules): Official rules for the tax refund direct deposit sweepstakes.