Step - Next Generation Banking App Support

What is Step - Next Generation Banking? Description of Step - Next Generation Banking 3666 chars

Step is an all-in-one banking solution with 4+ million users and is designed to help the next generation build smarter money habits. Step offers an FDIC-insured bank account and a FREE Visa¹ Secured Card. Step is the best way to build a positive credit history, even before you turn 18. The average Step User has a credit score of 725 when they turn 18! With Step, you can invest in stocks, set savings goals, earn rewards, set up direct deposit, and send and receive money instantly. The Step App lets you easily track your transaction history, portfolio balance, and savings progress. Step sets you up for a lifetime of financial success from the moment you sign up, which you can do without any monthly fees.

Benefits of Step:
- No signup fees, monthly fees, no overdraft fees
- Invest in Stocks
- Build positive credit with every purchase even before 18
- Rewards at your favorite merchants
- Get paid up to 2 days early with direct deposit⁴
- Instantly send and receive money
- Deposit cash at over 70,000+ retail locations nationwide
- Over 30,000 fee-free ATMs nationwide at major stores and retailers³
- Customize your own Step Visa Card
- Add your Virtual Step Card to Apple Pay
- Create Savings Goals to help you budget for big purchases
- Track your balance in the app
- Exclusive Access to Step’s Financial Literacy curriculum

For Parents:
Step, with 4+ million users, is the all-in-one banking solution for the next generation designed to help teens and young adults build smarter money habits. It is free to sign up for Step and it doesn’t have any monthly fees or overdraft fees, and offers an FDIC-insured bank account and a free Visa¹ Card. Step is the best way to build a positive credit history with every purchase they make, even before they turn 18, and the average Step User has a credit score of 725 when they turn 18! Step gives teens real-world money practice that equips them to become financially independent and doesn’t allow your kids to spend more than what they have in their account. The Step App provides insights into teens’ spending and saving, so parents can have peace of mind knowing that their teens’ transaction history is only a click away. With features like direct deposit, savings goals, and automated allowance payments, parents can feel confident that Step is setting their teen up for financial success.

Benefits of Step for parents:
- No signup fees, no monthly fees, no overdraft fees
- Instantly send money to your teens
- Automate your teen’s allowances & skip or adjust anytime
- Connect your existing debit card, bank account, or other apps for instant transfers
- Visibility into your teen’s spending and savings
- Access to Step’s Financial Literacy curriculum
- Rewards at top merchants
- Customer support 7 days a week
- Freeze your teens’ Step Card anytime
- Add your whole family to Step
- Protected by Visa's Zero Liability Policy²

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.

Step - Next Generation Banking App User Reviews

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Step - Next Generation Banking Pros

✓ Easy way for teens to manage moneyMany banks won’t allow kids younger than 16 to have a checking account with debit card. Two of my kids (13 and 15) have summer jobs taking care of younger kids. They get paid by Venmo. Without a bank account or debit card kids can only receive Venmo payments but cannot pay others with Venmo. Now with Step they can transfer funds to and from Venmo and they can use the virtual Step card for Apple Pay. A Step plastic visa debit card is coming in the mail that kids can use like any other visa debit card. No fees and great customer service make Step one if the most satisfying, practical and innovative financial tools ever..VintnerVersion: 2.0.209

✓ This is what your kids needLet me just start off by saying that it is 100% FREE no fees or anything like that and it’s easy to send your kids money and it’s easy for you kids to spend money safely and you can keep track of what your kids a buying and what there spending it on and the card is amazing you can pick your own color purple, blue and yellow I think and it has your own signature on the back and if you lose your card don’t worry you can lock your card and you can get another for FREE and while your card is being shipped to you, you can still buy stuff with your virtual card so if you forget your card you still have your virtual card..BryceJPVersion: 2.3.73

Step - Next Generation Banking Cons

✗ They locked my accountI saw MULTIPLE reviews with a similar issue, we transferred money from paypal & venmo and the next day i was locked out and my account was deleted for suspicious activity. the only response we get is “you violated terms” they never tell you exactly WHAT you did, they delete ur acc with ur funds in there & never respond. i’m still so frustrated because i had so much trust in Step Mobile. And i can’t even make a new account so now my funds are just sitting around waiting to be transferred somewhere. i was able to get my funds back luckily but now i no longer have a card & bank which causes a lot of issues for me. no words can explain my frustration. plus, the customer service is terrible, it’s nearly impossible to reach them. and i noticed so many people had the same problem as me, so i’m very disappointed in Step Mobile..Winzzafred3Version: 2.3.3

✗ Good at the BeginningI heard of Step from an advertisement on a social media, and thought it was a good way for me to build credit being under 18. I thought I’d get a head start on credit building before most of my peers. I just turned 18 and I tried to check my credit score but was told I have no credit history. It turns out that you have to be 18 to even opt in for credit reporting on Step, which would’ve been useful to know before spending a year, thinking I’m building credit with every purchase. I was told I had to remove my sponsor in order to opt in for credit reporting, which froze my account. I don’t care anymore, because my money is out of Step, but please don’t advertise building credit as a minor when you’re actually not..Sillygoose7828Version: 2.3.99

This update includes miscellaneous bug fixes..