Banking For
The Next

Scan to get started

A financial platform that powers your adventures, hustle and future.

We’ll text you a link to download Step

The best way to build credit

(even before you turn 18)

4 million customers

Step customers
and counting

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 Liability² guarantee for unauthorized charges

A spending card designed to grow with you

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

homepage fullbleed 01
Get more
for less
Get more
for less
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% and 15.13% for existing ones3. You don’t pay any interest with your Step Visa Card.

Make Smarter Money Moves

Build your credit4

Build credit with everyday purchases, even before you turn 18. Good credit can save you money on things like car insurance and student loans.

Invest5 in your future

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

Crush your savings goals

Create goals for all your wants and needs. Round up purchases to the next dollar to automatically add the spare change to your savings.

Get Paid Early
with Direct Deposit
Get Paid Early
with Direct Deposit

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 mail.

Earn rewards8

Save money instantly when you use your Step Visa Card at participating merchants. Refer friends to Step and we’ll give you both a cash bonus.

Pay with flexibility

Buy what you want today and pay over time or borrow money to cover an upcoming purchase. Eligibility and limits requirements apply.

Send and Receive Money
Send and Receive Money
homepage split 01

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.”

Got Questions?

  1. Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.
  2. Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
  3. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing. On-time payment history can have a positive impact on your credit score, and late payment history may negatively impact your credit score. The Step Visa Card, when set up with SmartPay, is designed to keep accounts in good standing to help build positive credit history. Step will report your activity to Transunion®, Experian®, and/or Equifax®. Even when we report positive credit history relating to your Step Visa card activity, your credit history and score may be impacted by your activity outside of your Step Visa card (including any other products offered through Step and any activity external to Step), as credit histories and credit scores are built by credit bureaus based on a number of factors, including the financial decisions you make with products outside of the Step Visa Card.
  4. Investing and advisory services for the purchasing and selling of stocks (including certain ETFs) are provided by Step Advisers LLC, a SEC-Registered Investment Adviser (“Step Advisers“). Investment accounts are held by DriveWealth, LLC, a member of the Financial Industry Regulatory Authority (FINRA) . We provide investment advisory services by making non-discretionary recommendations on a client's investment outlook. We do not manage client funds or hold custody of assets.
  5. The information presented herein is for educational purposes only and does not constitute investment advice or an offer to buy or sell any security, investment or other product.

Securities (stock and ETF) services powered by Drivewealth, LLC. Your assets are custodied by Drivewealth, LLC, not Step, and is insured by the Securities Investor Protection Corporation (SIPC), up to $500,000 (including $250,000 for claims for cash). Your stock account is not FDIC insured. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. While we believe the information presented here to be accurate, we do not guarantee its accuracy or completeness. Any examples are hypothetical and for illustrative purposes only. Hyperlinks to third-party content are intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals or points of view outside See additional risk disclosures here.
  6. Cryptocurrency transaction and custody services offered through Zero Hash LLC and Zero Hash Liquidity Services LLC. Cryptocurrency assets are held by Zero Hash, and Step is not involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Crypto on Step is not currently available in HI or NY. Cryptocurrency isn't backed by any central bank or government, are volatile, and involve a high degree of risk (including possible loss of principal), and are not insured by FDIC or SIPC. For more information on digital asset risk see FINRA, SEC, and CFPB public advisories, and our risk disclosures here. The information provided on this website does not constitute investment advice, financial advice, trading advice or any other advice and should not be used as such.
  7. The Referral awards and the Cash and Crypto Rewards programs are not offered by Evolve Bank & Trust and are instead offered and managed by Step.

©️ 2020 - 2023 Step Mobile, Inc. All rights reserved.