Step: Bank & Build Credit

Banking that rewards you

Step: Bank & Build Credit - Banking Rewards

"Step: Bank & Build Credit" is a free banking app that allows users to build credit, earn up to 8% cashback, and earn 4.00% on savings. With features like early direct deposit and investment options starting at $1, Step empowers users to manage their finances confidently and effectively.
Install from Google Play Store

App stats

Version: 24.9.0 (Last updated: 2024-12-12)
Creation date: 2019-01-30
Permissions
Contacts: read your contacts
Location: approximate location (network-based), precise location (GPS and network-based)
Phone: read phone status and identity
Photos/Media/Files: read the contents of your USB storage, modify or delete the contents of your USB storage
Storage: read the contents of your USB storage, modify or delete the contents of your USB storage
Camera: take pictures and videos
Wi-Fi connection information: view Wi-Fi connections
Device ID & call information: read phone status and identity
Other:
  • download files without notification
  • receive data from Internet
  • view network connections
  • change network connectivity
  • control flashlight
  • full network access
  • run at startup
  • control vibration
  • prevent device from sleeping

Other platforms

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Not available on Edge
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App summary

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 with the Step Visa Card – with no risk of overspending. Plus, earn 4.00% 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 4.00% on your savings: Create Savings Goals and automatically add spare change to them with Round Ups to earn 4.00% 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.

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

**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.

***Out-of-network ATM withdrawal fees apply.

****Early 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.

User reviews

These summaries are automatically generated weekly using AI based on recent user reviews. Google Play Store does not verify user reviews, so some user reviews may be inaccurate, spammy, or outdated.
Pros
  • User-friendly interface
  • Helps build credit
  • Instant and secure money transfer
  • No monthly fees and cashback on purchases
  • Good for managing family finances
Cons
  • App frequently freezes or is slow
  • Issues with logging in and accessing account
  • Long transfer times for deposits
  • Limited customer support options
  • Ambiguity around certain transaction fees
Most mentioned
  • App freezes or crashes
  • Difficulty in logging in to the app
  • Building credit score improvement
  • User-friendly design
  • Cashback on purchases
User reviews
I'll give it a 4 star because for the 4 years i used it, it was a wonderful app. It helped me build my credit. It was easy to manage. But randomly closed my account because of some expectation i didn't meet. I followed every single rule/expectations they had, and it randomly closed my account. I do recommend it, but dont be surprised if your account gets closed one day.
by Amflux, 2024-12-16

Listen, I love this app. It's so easy to use and has an easily understandable format, but I've noticed something that's been absolute hell. There isn't an option to say that I wasn't the one who paid for whatever just got charge to my card. I've lost a lot of money from getting random purchases charged to me, and it says it's from Amazon or Amazon Prime, so I can't just block the merchant because then I can't order anything. At first, I just got a new card, but it's happening again

Right now, this is an interesting Banking App. I'm liking eeverything I see. I like that it offers so much more than a lot of them out there. But the biggest problem i have with this app is you log in complete ANY ONE ACTION in the app, and then it seems to freeze. You can't seem to be able to do anything else til you close out the app completely and log back in. One action per log in is annoying as heck so why it's 1 star. Fix this issue and it would be 5 stars easily! Thank you!
by CM R, 2024-11-10
View all user reviews

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