A better
way to save

Say goodbye to below-average savings accounts and hello to Step, where you can earn 5.00% on your savings by setting up a monthly qualifying direct deposit.¹

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How does Step Compare?

Your money earns a lot more here. If you are currently stashing your cash in an account that pays less than 5.00% on savings balances, open a Step Account and set up a monthly qualifying direct deposit today.

APP RATING

Apple App Store

50,616 Reviews

“I absolutely love this app”

“I absolutely love this app. I love how easy it makes managing savings and saving for multiple goals simultaneously.”

Tyree R.

“Easy Money Transfers and round ups for savings...”

“By far the best app I’ve had. Easy money transfers and round ups for savings. And the customer service is outstanding.”

Dayna M.

“I got to meet my goal of $300...”

“This app is very organized and easy to use. I got to meet my goal of $300 on it! My dad made me a Step Account for my allowance. Totally recommend!”

Horst Günter Z.

“This app genuinely helped me.”

“This app works so well…I’ve never been good at saving but this app genuinely helped me.”

Hans G.

“This is a great App.”

“This is a great app. It really helps me to track how well I am saving towards my goals…”

Margarito G.

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Maximize your Earnings

You can earn 5.00% on your savings balance up to $250,000 with no minimums or withdrawal restrictions. Your Step Account is FDIC-insured by our bank partner so you can trust that your money is safe.

Start Earning

Save automatically with round ups

Automatically round up your purchases to the nearest dollar and add the change to a Savings Goal. You can earn 5.00% on every dollar with a monthly qualifying direct deposit¹. A little change goes a long way when you’re earning one of the best rates in the country!

Watch your
savings soar

College? New car? Emergency fund? Creating clear goals can help you get the things you want or need. Easily track and celebrate your progress right from your app!

Knowledge is power

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We know what you’re Wondering...

How do I start earning 5.00% on my savings?

It’s easy! All you have to do is set up direct deposit and add $500 or more to your Step Account every month.

What if I only work during the summers?

If you’re a student and only work for part of the year, that’s okay. For every 30 day period that you meet the direct deposit threshold, you’ll earn 5.00% on your savings. If you don’t meet it, you won’t earn 5.00% that month but there’s no fee or penalty for missing it.

Are my savings safe and secure at Step?

All deposits made with Step are insured up to $250,000 by our bank partner, Evolve Bank & Trust, member FDIC. That means your money is federally backed and safe, no matter what.

How much of a difference can 5.00% make on my savings?

It depends on what you’re comparing 5.00% to. It can be the difference of $460 in one year if you’re comparing a $10,000 balance earning 5.00% to one earning 0.40%, the national average as of May 15, 2023, according to the FDIC website.

Are there any savings fees or minimums?

No! All you need to do is set up a monthly qualifying direct deposit to start earning. There are no savings fees and no minimum balance requirements.

Start Saving

Join millions of people who are making smarter money moves with Step.

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A better way to save