Banking for
The Next

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Earn 5.00% on your savings¹, build credit, invest, and get rewarded all in one place.

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Earn 5.00% on your savings1

With a qualifying direct deposit

fdic insured

Banking services are provided by Evolve Bank & Trust and FDIC-insured up to $250,000¹

powered by visa

Powered by Visa with built-in fraud protection and Zero Liability³ guarantee for unauthorized charges

The best way to build credit history2

(even before you turn 18)

Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank.

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52,106 Reviews
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for less
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No monthly fees

No subscription fees. No account minimum fees. No in-network ATM fees. You worked hard to earn your money, so you should keep it.

No overdraft fees

Your Step Account prevents you from spending more than what’s in your spending account so you don’t have to worry about overdrafting.

No interest

The average credit card interest rate for new cards is 19.13%⁴. You don’t pay any interest with your Step Visa Card.

Make Smarter Money Moves

Build your credit history

Build credit history with everyday purchases, even before you turn 18². Good credit can save you money on things like car insurance.

Invest in your future

Don’t wait until you’re 18 to learn how to invest⁵ responsibly. Buy fractional shares of thousands of stocks⁶ and bitcoin⁷ with as little as $1.

Earn more on your savings

Earn 5.00% on your savings balance up to $250,000 with a monthly qualifying direct deposit¹. No minimums or withdrawal restrictions.

Earn 5.00%
on savings1
Earn 5.00%
on savings1

pay and get paid

Get your paycheck earlier

Set up direct deposit and get your paycheck up to 2 days earlier than if you were to use a traditional bank or get your check in the mail⁸.

Earn rewards on everyday spend

Score points⁹ when you use your Step Visa Card to eat out, order in, subscribe to your favorite streaming services, and more. Redeem your points for cash.

Pay over time

Get money back from a recent purchase and paying for it in smaller increments over time. Eligibility and limits requirements apply.

Instantly Send
and Receive Money
To Step Users
Instantly Send
and Receive Money
To Step Users
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Stephen Curry, 4X NBA CHAMPION & CEO at SC30

Investor Spotlight

“I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.”

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