Step: Bank & Build Credit
Banking that rewards you
Total ratings
4.64
(Rating count:
27,398)Review summary
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spammy, or outdated.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
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User reviews
Recent rating average:
3.40
All time rating average:
4.64
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| Date | Author | Rating | Comment |
|---|---|---|---|
| 2024-12-16 |  | | 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. |
| 2024-12-10 |  | | 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 |
| 2024-12-06 |  | | So far, so good with this bank. The app is dope, very user-friendly, and easy to connect other bank accounts/debit cards. Easy to transfer money from other accounts and you build your credit a you use your card. Def recommend this bank to anyone looking for all those features and more... |
| 2024-11-10 |  | | 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! |
| 2024-11-08 |  | | I have been having issues with this app since I started using it. I wake up to a negative balance in my checking this morning. Now this a prepaid account with no overdraft feature that is available. I ha e been trying to dispute the charges but the system is running me in circles. I am not recommending you use this app for your everyday banking. These apps are not secure enough to know if you have went over your available spending balance and this causes a problem for the consumer. |
| 2024-10-21 |  | | Absolutely LOVE Step. I recommend it to all of my friends, to their sheer annoyance. LOL! I have Step Black, mainly just pay for stuff like gas for my vehicle and utilities, and I get more cashback than the monthly bill for the card. ($4.99) I generally gain $10-15 in cashback each month. There is a free version, too, but it does not include cashback. I also love the cards for the kids! Any age can have a Step credit card! |
| 2024-09-02 |  | | This app is absolutely amazing I couldn't be more happier with it! In just one month Step helped me raise my credit score by 52 points! The banking part of the app is awesome too. I highly recommend this app to anybody needing to boost their credit score or just needing a simple prepaid debit card account. This app also gives you cash back on purchases made. So what are waiting for download now and see for yourself! |
| 2024-05-29 |  | | Loved this app, used in for about 5 years to pay for everything online. Never had a single problem, loved.that I didn't have to use my bank card, and it automatically denies charges if I don't have any money on my card(.that's an extra charge from my bank). The last time I used the online card there was an extra fee, I'm not going to pay. Deleting the app. |
| 2024-03-31 |  | | Great for saving and building credit, but it takes too long to make deposits. The app says it takes 1-3 business days, but in reality it takes more than a week. Not only does it take forever to see the money in your account, but they also draft it out of your linked account, so you're down x,y,z amount of money and it won't appear on your step account. Definitely not very time efficient. It would be better if it was faster. My other bank takes about thirty minutes to take action. |
| 2024-01-13 |  | | So far, so good. Finally showed on my credit report 2 months after opening, and boosted my score 2-3pts. As someone who's trying to recover my score after destroying it last year down to a 500, I couldn't qualify for any credit card that wasn't secure and most were wanting $2-$300 security deposit. Step didn't require any, and it's format prevents you from hurting your credit score, which is a huge plus if you're someone who's skilled at decimating it. Lol. |
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