Step: Bank & Build Credit

Step is your go-to free banking app for better credit, better savings, and better rewards. With Step Black, you can get up to 8% cashback and build credit history with the Step Visa Card – with no risk of overspending. Plus, earn 5.00% on your FDIC-insured savings and cash in on $500 in annual perks that let you do more for less. Join over 5+ million people who trust Step to help them build credit. This is banking the way it should be. 

Benefits of Step: 
- Build credit: Safely build credit with every purchase and monitor your credit score right from the Step app. The average annual credit score increase for Step users in their 20s is 57 points!

- Earn up to 8% cashback: Use your Step Card everywhere Visa is accepted – online, in-store, worldwide – and earn up to 8% cashback on purchases.  

- Earn 5.00% on your savings: Create Savings Goals and automatically add spare change to them with Round Ups to earn 5.00% on every penny.

- Get paid early: Get paid up to 2 days early with direct deposit. Plus, enter to win monthly prizes – cash, laptops, shopping sprees – with direct deposits of $150 or more.

- Move money: Instantly send and receive money, deposit cash at 70,000+ retail locations nationwide, and access over 30,000 fee-free ATMs. 

- Invest with as little as $1: Buy and sell thousands of stocks, ETFs, and bitcoin for as little as $1. Turn your spare change into smart investments with Round Ups.  


¹Step is a financial services platform. Banking services provided by and the Step Visa card issued by Evolve Bank and Trust, member FDIC.

²Visa’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.

³Out-of-network ATM withdrawal fees apply.

⁴Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.