Step: Bank & Build Credit

Banking that rewards you

Price
In-App PurchaseNo
LaunchedFeb 01, 2019
Store Categories

Total Ratings

United States

75K
5 star
66K
4 star
4.4K
3 star
1.5K
2 star
630
1 star
2.6K

Description

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.

Screenshots

Step: Bank & Build Credit screenshot 1
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Version History

Releasing updates every 17 days on average. Last update 0 days ago.

25.5.0Apr 07, 2025

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

25.4.0Mar 13, 2025

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

25.3.0Feb 21, 2025

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

25.2.0Feb 15, 2025

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

25.1.0Jan 30, 2025

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

25.0.0Jan 15, 2025

Step Black is FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.9.0Dec 12, 2024

Step Black is FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.8.0Nov 26, 2024

Step Black is FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.7.0Nov 21, 2024

Step Black is FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.6.0Oct 31, 2024

Step Black is FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.5.0Oct 05, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.4.0Oct 03, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 4.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.3.0Sep 23, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.2.0Aug 24, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.1.0Aug 04, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

24.0.0Jul 29, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.291Jul 04, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.290Jun 28, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.286Jun 22, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.282Jun 01, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.280May 16, 2024

Step is your go-to free banking app to build credit, grow savings, and earn rewards. With Step Black, you can get up to 8% cashback, earn 5.00% on your FDIC-insured savings, and cash in on $500 in annual perks that let you do more for less. Step Black is now FREE with direct deposit. Step was named most innovative credit building app in 2024. This is the way banking, budgeting and finance should be.

2.3.279May 03, 2024

Feast your eyes on a gallery of fresh finance images in our latest update. These visuals aren't just beautiful black and white money images; they're portals to a world where numbers dance and dollars sing. We've also added some nifty new terms for those late-night legal reads and kicked out the flickering background to the curb. Sayonara, screen disco party!

2.3.275Apr 23, 2024

Get ready for a fresh look! We’ve jazzed things up with new finance app navigation icons and added direct deposit to your banking fast actions, making it a breeze to get that bread in just a few taps. Bugs? Squashed ‘em. Dive into the streamlined money app and experience the updates for yourself.

2.3.272Mar 29, 2024

This update includes miscellaneous bug fixes.

2.3.261Mar 12, 2024

This update includes miscellaneous bug fixes.

2.3.259Feb 27, 2024

This update includes miscellaneous bug fixes.

2.3.251Feb 06, 2024

This update includes miscellaneous bug fixes.

2.3.246Jan 13, 2024

This update includes miscellaneous bug fixes.

2.3.241Nov 30, 2023

This update includes miscellaneous bug fixes.

2.3.234Nov 02, 2023

This update includes miscellaneous bug fixes.

2.3.231Oct 09, 2023

This update includes miscellaneous bug fixes.

2.3.226Aug 30, 2023

This update includes miscellaneous bug fixes.

2.3.200Aug 03, 2023

This update includes miscellaneous bug fixes.

2.3.198Jul 12, 2023

This update includes miscellaneous bug fixes.

2.3.192Jun 23, 2023

This update includes miscellaneous bug fixes.

2.3.190Jun 16, 2023

This update includes miscellaneous bug fixes.

2.3.188May 29, 2023

This update includes miscellaneous bug fixes.

2.3.186May 26, 2023

This update includes miscellaneous bug fixes.

2.3.184May 12, 2023

This update includes miscellaneous bug fixes.

2.3.176Apr 03, 2023

This update includes miscellaneous bug fixes.

2.3.175Mar 09, 2023

This update includes miscellaneous bug fixes.

2.3.173Mar 01, 2023

This update includes miscellaneous bug fixes.

2.3.172Feb 17, 2023

This update includes miscellaneous bug fixes.

2.3.171Feb 02, 2023

This update includes miscellaneous bug fixes.

2.3.168Jan 15, 2023

This update includes miscellaneous bug fixes.

2.3.167Dec 27, 2022

This update includes miscellaneous bug fixes.

2.3.161Dec 01, 2022

This update includes miscellaneous bug fixes.

2.3.155Nov 09, 2022

This update includes miscellaneous bug fixes.

2.3.152Oct 23, 2022

This update includes miscellaneous bug fixes.

2.3.149Oct 01, 2022

This update includes miscellaneous bug fixes.

2.3.147Sep 15, 2022

This update includes miscellaneous bug fixes.

2.3.143Aug 25, 2022

This update includes miscellaneous bug fixes.

2.3.139Aug 16, 2022

This update includes miscellaneous bug fixes.

2.3.134Aug 03, 2022

This update includes miscellaneous bug fixes.

2.3.133Jul 31, 2022

This update includes miscellaneous bug fixes.

2.3.125Jul 05, 2022

This update includes miscellaneous bug fixes.

2.3.124Jun 30, 2022

This update includes miscellaneous bug fixes.

2.3.118Jun 09, 2022

This update includes miscellaneous bug fixes.

2.3.116May 28, 2022

This update includes miscellaneous bug fixes.

2.3.115May 22, 2022

This update includes miscellaneous bug fixes.

2.3.114May 19, 2022

This update includes miscellaneous bug fixes.

2.3.105May 03, 2022

This update includes bug fixes and performance improvements.

2.3.102Apr 21, 2022

This update includes bug fixes and performance improvements.

2.3.99Apr 01, 2022

This update includes bug fixes and performance improvements.

2.3.93Feb 15, 2022

This update includes bug fixes and performance improvements.

2.3.92Feb 04, 2022

This update includes bug fixes and performance improvements.

2.3.91Feb 02, 2022

This update includes bug fixes and performance improvements.

2.3.86Jan 07, 2022

You asked. We delivered. We just dropped Savings Goals - a separate section in the app where you can start to save today for your wants and needs. Choose from a variety of popular goals or create your own.

This update includes bug fixes and performance improvements.

2.3.85Jan 06, 2022

You asked. We delivered. We just dropped Savings Goals - a separate section in the app where you can start to save today for your wants and needs. Choose from a variety of popular goals or create your own.

2.3.84Dec 17, 2021

This update includes bug fixes and performance improvements.

2.3.77Nov 11, 2021

This update includes bug fixes and performance improvements.

2.3.73Oct 13, 2021

This update includes bug fixes and performance improvements.

2.3.62Sep 29, 2021

This update includes bug fixes and performance improvements.

2.3.49Sep 11, 2021

This update includes bug fixes and performance improvements.

2.3.45Aug 31, 2021

This update includes bug fixes and performance improvements.

2.3.43Aug 18, 2021

This update includes bug fixes and performance improvements.

2.3.41Aug 05, 2021

This update includes bug fixes and performance improvements.

2.3.39Jun 26, 2021

This update includes bug fixes and performance improvements.

2.3.38Jun 17, 2021

This update includes bug fixes and performance improvements.

2.3.35Jun 03, 2021

This update includes bug fixes and performance improvements.

2.3.25May 03, 2021

Rounding out financial literary month with some sweet new updates:
∙ Quick access right from the home screen to common actions, such as adding or withdrawing money, managing your Step Card, or to setup recurring payments.
∙ Getting back into your account is easier than ever, when you link a verified email, or sign in with Apple or Google.
∙ You can now setup a passcode for your Step app, so securing your account is easier than ever!
∙ More options for choosing where to ship your Step Card.

2.3.3Mar 31, 2021

Fresh out of the oven with a hot new release:
∙ Quick access right from the home screen to common actions, such as adding or withdrawing money, managing your Step Card, or to setup recurring payments.
∙ Getting back into your account is easier than ever, when you link a verified email, or sign in with Apple or Google.
∙ You can now setup a passcode for your Step app, so securing your account is easier than ever!
∙ More options for choosing where to ship your Step Card.

2.2.54Mar 17, 2021

Jumping into spring with an exciting new release of the Step app!
∙ Quick access right from the home screen to common actions, such as adding or withdrawing money, managing your Step Card, or to setup recurring payments.
∙ Getting back into your account is easier than ever, when you link a verified email, or sign in with Apple or Google.
∙ You can now setup a passcode for your Step app, so securing your account is easier than ever!
∙ More options for choosing where to ship your Step Card.

2.2.30Feb 18, 2021

Spreading the love with some sweet new updates!
∙ Referrals are now available to everyone, teens and parents.
∙ ATM cash withdrawals are now available to all customers.
∙ You can link your external bank account and fund your Step account or withdraw money.
∙ And of course, plenty of bug fixes and performance improvements.

2.2.12Jan 28, 2021

Let's get it! Here is what's new in the Step app:
∙ Improved shipping address validation, so your Step Card gets sent to the right place.
∙ Brand new Help Center, with lots of helpful articles to resolve common issues quickly.
∙ Signup with your Apple or Google login (or verify any e-mail) to make sure you never get locked out in the future.
∙ ATM access is enabled for more customers, you can request early access inside the app.
∙ Enabled linking an external bank account for more customers, you can request early access inside the app.
∙ Not a teenager yet? That's OK, we've opened Step to anyone regardless of age!
∙ Referrals are now available to everyone, teens and parents.

2.2.7Jan 08, 2021

Another round of awesome updates:
∙ We now validate your shipping address, to make sure you receive your Step Card.
∙ We've added a new Help Center, with lots of helpful articles to resolve common issues quickly.
∙ Signup with your Apple or Google login (or a verified e-mail) to make sure you never get locked out.
∙ We've enabled ATM access for more customers, you can signup for early access in the app.
∙ Not a teenager yet? That’s OK, we’ve now opened Step to anyone regardless of age!
∙ Referrals are now available to everyone, teens and parents.

2.2.1Dec 24, 2020

Step's spreading some holiday cheer with these new updates:
∙ Having problems getting back into your account? You can use your e-mail now to get back in.
∙ Not a teenager yet? That’s OK, we’ve now opened Step to anyone regardless of age!
∙ Referrals are now available to everyone, teens and parents.
∙ ATM access is being rolled out to more customers every week. Signup for early access in the app.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Step's little elves have been busy squashing bugs, too!

2.0.299Dec 08, 2020

Back at it again:
∙ $3 referrals is back for a limited time!
∙ ATM access is being rolled out to more customers every week. Signup for early access in the app.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Improvements to device security. Keeping your data safe is our highest priority!
∙ And of course, lots of bug fixes as always!

2.0.298Nov 24, 2020

Back at it again:
∙ $3 referrals is back for a limited time!
∙ ATM access is being rolled out to more customers every week. Signup for early access in the app.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Improvements to device security. Keeping your data safe is our highest priority!
∙ And of course, lots of bug fixes as always!

2.0.294Nov 06, 2020

Back at it again:

∙ $3 referrals is back for a limited time!
∙ ATM access is being rolled out to more customers every week. Signup for early access in the app.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Improvements to device security. Keeping your data safe is our highest priority!
∙ And of course, lots of bug fixes as always!

2.0.289Oct 28, 2020

This week's updates are simply spook-tacular:

∙ Support for signing up with only last 4 of SSN.
∙ ATM access for cash withdrawal is now being rolled out to users who have requested it.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Bug fixes and performance improvements. Yep, that too.

2.0.278Oct 15, 2020

Here's some of the exciting new stuff in our app:

∙ ATM access for cash withdrawal is now being rolled out to users who have requested it.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Fixed a bug that could cause the app to crash when disabling passcode.

2.0.273Oct 07, 2020

Another week, another round of features and fixes:

∙ ATM access for cash withdrawal is now being rolled out to users who have requested it.
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Some big under-the-hood performance and stability improvements to the app.
∙ Fixed a bug when updating name on card.

2.0.271Sep 29, 2020

We've been hard at work fixing bugs and adding new features for you! Download the latest Step app to get access to these awesome features:

∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Allowances are now available with Recurring Payments.
∙ Set or change your username.
∙ Fewer crashes on iOS 14, guaranteed!

2.0.270Sep 23, 2020

We've been hard at work fixing bugs and adding new features for you! Download the latest Step app to get access to these awesome features:
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Allowances are now available with Recurring Payments.
∙ Set or change your username.
∙ Fewer crashes on iOS 14, guaranteed!

2.0.268Sep 23, 2020

We've been hard at work fixing bugs and adding new features for you! Download the latest Step app to get access to these awesome features:
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Allowances are now available with Recurring Payments.
∙ Set or change your username.
∙ Fewer crashes on iOS 14, guaranteed!

2.0.251Sep 16, 2020

We've been hard at work fixing bugs and adding new features for you! Download the latest Step app to get access to these awesome features:
∙ Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal.
∙ Allowances are now available with Recurring Payments.
∙ Set or change your username.
∙ Fewer crashes on iOS 14, guaranteed!

2.0.238Sep 14, 2020

- Bank account and routing number: set up direct deposit or connect to Venmo, Cash App, or Paypal
- Allowances are now available with Recurring Payments

2.0.233Sep 07, 2020

Allowances are now available with Recurring Payments

2.0.228Sep 02, 2020

Bug fixes and stability improvements

2.0.219Aug 18, 2020

Bug fixes and stability improvements

2.0.215Jul 30, 2020

Bug fixes and stability improvements

2.0.214Jul 23, 2020

* Dark mode
* Teens can link their own bank account (debit card) to add money to their Step Card

2.0.209Jun 16, 2020

Referrals are now back!

2.0.207May 28, 2020

Laying the groundwork for a few exciting features. Stay tuned!

2.0.190May 20, 2020

Improvements to the sign up flow and general bug fixes.

2.0.187May 13, 2020

Improvements to the sign up flow and general bug fixes.

2.0.185May 07, 2020

Improvements to the sign up flow and general bug fixes.

2.0.166Apr 13, 2020

Bug fixes and improved stability in the app.

2.0.164Apr 07, 2020

Invitations links now point to a personalized Web landing page
New intro screens in app

2.0.158Mar 27, 2020

Invitations links now point to a personalized Web landing page
New intro screens in app

2.0.156Mar 26, 2020

Invitations links now point to a personalized Web landing page
New intro screens in app

2.0.152Mar 10, 2020

Support for location sharing to help Step protect users from fraud.

2.0.151Mar 09, 2020

Improved transaction details such as merchant logo and name.
Many small on-boarding improvements such as shipping address auto-complete and guided on-boarding.

2.0.150Feb 19, 2020

Select early adopters can now order their Step Card

2.0.146Feb 12, 2020

Select early adopters can now order their Step Card

2.0.142Feb 04, 2020

Select early adopters can now order their Step Card.

2.0Jan 14, 2020

Select early adopters can now order their Step Card.

1.1.0Aug 12, 2019

• iOS 13 Support
• Various bug fixes and stability improvements

1.0.2Jan 31, 2019

Introducing Step. Sign up to reserve your place in line for an account through the app. Start earning rewards today by inviting friends, you both earn $1 when they sign up.

LaunchedFeb 01, 2019

Other Information