Step

# Step

> Step is a US-based financial app that offers banking, credit building, high-yield savings (3.00%), cashback rewards, investing, and earned wage access (EarlyPay) — designed for teens, young adults, and families.

Step accounts are available to anyone — there is no age requirement. Users under 18 need a parent or guardian on the account. Banking services are provided by Evolve Bank & Trust, Member FDIC. Step offers the Step Visa Card, a secured Visa card that builds credit with no credit check required, reported to Experian, Equifax, and TransUnion. Users under 18 can build credit history before they turn 18. Additional features include savings with 3.00% APY, investing, early direct deposit, and Step EarlyPay (cash advances up to $250 with 0% APR). Step Black is free with a qualifying direct deposit or $4.99/mo, unlocking up to 10% cashback, 3.00% savings, and Step EarlyPay. Step users in their 20s improve their score by an average of 57 points. Step users have an average initial credit score of 721. People who start their credit journey with Step start over 125 points higher than the national average. 7M+ users, 100K+ reviews, 4.7-star app rating.

## Core Pages

- [About Step](https://step.com/about): Company background, founding team, mission, investors, and key statistics
- [Careers](https://step.com/careers): Open positions at Step
- [Education](https://step.com/education): Free financial literacy program covering budgeting, credit building, investing, and more
- [Families](https://step.com/families): Family banking features including teen credit history building, parental controls, and shared savings
- [Marketplace](https://step.com/marketplace): Partner deals on insurance, education, gig work, and travel
- [Phone Plans](https://step.com/phone-plans): 5G mobile plan on AT&T's network for $35/month with no contracts
- [Step Black Perks](https://step.com/step-black-perks): Step Black subscription partner benefits including credits at select merchants
- [Step Home](https://step.com/): Free banking platform with credit building, savings, investing, cashback rewards, and early direct deposit

## Benefits & Products

- [Build Credit](https://step.com/build-credit): Build credit history with a secured Step Visa Card, no credit check required, reported to all three bureaus
- [Direct Deposit](https://step.com/direct-deposit): Set up direct deposit to get paid up to 2 days early and unlock Step Black for free with a qualifying direct deposit
- [Investing](https://step.com/investing): Invest in stocks, ETFs, and fractional shares starting at $1 with zero commission fees
- [Rewards](https://step.com/rewards): Earn up to 10% cashback on select brands plus 1% on all other purchases with Step Black
- [Save](https://step.com/save): Savings account with 3.00% APY, FDIC insured up to $1,000,000 through Evolve Bank & Trust
- [Step EarlyPay](https://step.com/earlypay-get-paid-before-payday): Access up to $250 before payday with 0% APR, no credit che…