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Submitted URL: http://step.com/
Effective URL: https://step.com/
Submission: On July 18 via manual from IN — Scanned from DE
Effective URL: https://step.com/
Submission: On July 18 via manual from IN — Scanned from DE
Form analysis 8 forms found in the DOM
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<legend class="visuallyhidden">Consent Selection</legend>
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<div class="download-app_why__w0RGn">We’ll text you a link to download Step</div>
</form>Text Content
Powered by Cookiebot * Consent * Details * [#IABV2SETTINGS#] * About THIS WEBSITE USES COOKIES This website uses cookies to support website functionality, personalize content, provide social media features, and analyze traffic. To opt in to using cookies for all of these features click “OK.” To decline the use of all non-essential cookies, click “Decline.” Change your cookie settings at any time here. For additional information about our privacy practices, see our Privacy Policy. Consent Selection Necessary Preferences Statistics Marketing Show details Necessary 20 Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies. Cookiebot 1 Learn more about this provider CookieConsentStores the user's cookie consent state for the current domain Expiry: 1 yearType: HTTP Google 1 Learn more about this provider test_cookieUsed to check if the user's browser supports cookies. Expiry: 1 dayType: HTTP Iovation 2 Learn more about this provider #-#-#-#-#Pending Expiry: PersistentType: HTML io_token_#Used by the website to detect any fraud and ensure brand safety management on the website. Expiry: 1 yearType: HTTP LinkedIn 1 Learn more about this provider JSESSIONIDPreserves users states across page requests. Expiry: SessionType: HTTP assets.step.com 14 #.#-#-#-#-#.ackUsed to contain user’s survey and quiz answers in Local Storage. Expiry: PersistentType: HTML #.#-#-#-#-#.inProgressUsed to contain user’s survey and quiz answers in Local Storage. Expiry: PersistentType: HTML #.#-#-#-#-#.queueUsed to contain user’s survey and quiz answers in Local Storage. Expiry: PersistentType: HTML #.#-#-#-#-#.reclaimEndUsed to contain user’s survey and quiz answers in Local Storage. Expiry: PersistentType: HTML #.#-#-#-#-#.reclaimStartUsed to contain user’s survey and quiz answers in Local Storage. Expiry: PersistentType: HTML _GRECAPTCHAThis cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website. Expiry: 180 daysType: HTTP _grecaptchaThis cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website. Expiry: PersistentType: HTML rc::aThis cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website. Expiry: PersistentType: HTML rc::bThis cookie is used to distinguish between humans and bots. Expiry: SessionType: HTML rc::cThis cookie is used to distinguish between humans and bots. Expiry: SessionType: HTML AWSALBTGRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. Expiry: 7 daysType: HTTP AWSALBTGCORSRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. Expiry: 7 daysType: HTTP bscookieThis cookie is used to identify the visitor through an application. This allows the visitor to login to a website through their LinkedIn application for example. Expiry: 1 yearType: HTTP CONSENTUsed to detect if the visitor has accepted the marketing category in the cookie banner. This cookie is necessary for GDPR-compliance of the website. Expiry: 2 yearsType: HTTP cdn.rudderlabs.com 1 test_rudder_cookieThis cookie determines whether the browser accepts cookies. Expiry: 1 yearType: HTTP Preferences 8 Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in. Intercom 3 Learn more about this provider intercom-device-id-#Sets a specific ID for the user which ensures the integrity of the website’s chat function. Expiry: 270 daysType: HTTP intercom-id-#Allows the website to recoqnise the visitor, in order to optimize the chat-box functionality. Expiry: 270 daysType: HTTP intercom-session-#Sets a specific ID for the user which ensures the integrity of the website’s chat function. Expiry: 7 daysType: HTTP Iovation 1 Learn more about this provider io_f604be51-ccf5-4d26-9cc2-3c44e1fdceb9Unique user ID that recognizes the user on returning visits. Expiry: PersistentType: HTML Typeform 1 Learn more about this provider tf_respondent_ccUsed to implement forms on the website. Expiry: 6 monthsType: HTTP assets.step.com 3 intercom.intercom-stateStores a unique ID string for each chat-box session. This allows the website-support to see previous issues and reconnect with the previous supporter. Expiry: PersistentType: HTML langNecessary for maintaining language-settings across subpages on the website. Expiry: SessionType: HTTP lidcRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. Expiry: 1 dayType: HTTP Statistics 15 Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously. Google 3 Learn more about this provider _gaRegisters a unique ID that is used to generate statistical data on how the visitor uses the website. Expiry: 2 yearsType: HTTP _ga_#Used by Google Analytics to collect data on the number of times a user has visited the website as well as dates for the first and most recent visit. Expiry: 2 yearsType: HTTP tdRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: SessionType: Pixel Tiktok 1 Learn more about this provider _tt_enable_cookieUsed by the social networking service, TikTok, for tracking the use of embedded services. Expiry: 1 yearType: HTTP Typeform 2 Learn more about this provider dd_cookie_test_#Registers data on visitors' website-behaviour. This is used for internal analysis and website optimization. Expiry: 1 dayType: HTTP tracking_session_idDetermines when the visitor last visited the different subpages on the website, as well as sets a timestamp for when the session started. Expiry: 1 dayType: HTTP assets.step.com 9 ajs_anonymous_idThis cookie is used to count how many times a website has been visited by different visitors - this is done by assigning the visitor an ID, so the visitor does not get registered twice. Expiry: PersistentType: HTML storage.LinkingStorePending Expiry: PersistentType: HTML rl_anonymous_idRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: PersistentType: HTML rl_group_idRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: PersistentType: HTML rl_group_traitRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: PersistentType: HTML rl_traitRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: PersistentType: HTML rl_user_idRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Expiry: PersistentType: HTML li_gcStores the user's cookie consent state for the current domain Expiry: 180 daysType: HTTP ajs_anonymous_idThis cookie is used to identify a specific visitor - this information is used to identify the number of specific visitors on a website. Expiry: 1 yearType: HTTP Marketing 35 Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers. Meta Platforms, Inc. 1 Learn more about this provider _fbpUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. Expiry: 3 monthsType: HTTP Google 5 Learn more about this provider IDEUsed by Google DoubleClick to register and report the website user's actions after viewing or clicking one of the advertiser's ads with the purpose of measuring the efficacy of an ad and to present targeted ads to the user. Expiry: 1 yearType: HTTP pagead/landingCollects data on visitor behaviour from multiple websites, in order to present more relevant advertisement - This also allows the website to limit the number of times that they are shown the same advertisement. Expiry: SessionType: Pixel ads/ga-audiencesUsed by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor's online behaviour across websites. Expiry: SessionType: Pixel pagead/1p-conversion/626325003/Pending Expiry: SessionType: Pixel _gcl_auUsed by Google AdSense for experimenting with advertisement efficiency across websites using their services. Expiry: 3 monthsType: HTTP Tiktok 5 Learn more about this provider tt_appInfoUsed by the social networking service, TikTok, for tracking the use of embedded services. Expiry: SessionType: HTML tt_pixel_session_indexUsed by the social networking service, TikTok, for tracking the use of embedded services. Expiry: SessionType: HTML tt_sessionIdUsed by the social networking service, TikTok, for tracking the use of embedded services. Expiry: SessionType: HTML _ttp [x2]Used by the social networking service, TikTok, for tracking the use of embedded services. Expiry: 1 yearType: HTTP Typeform 1 Learn more about this provider attribution_user_idUsed in context with the website’s pop-up questionnaires and messengering. The data is used for statistical or marketing purposes. Expiry: 1 yearType: HTTP YouTube 3 Learn more about this provider LAST_RESULT_ENTRY_KEYUsed to track user’s interaction with embedded content. Expiry: SessionType: HTTP nextIdUsed to track user’s interaction with embedded content. Expiry: SessionType: HTTP requestsUsed to track user’s interaction with embedded content. Expiry: SessionType: HTTP assets.step.com 18 ajs_user_idCollects data on visitors' preferences and behaviour on the website - This information is used make content and advertisement more relevant to the specific visitor. Expiry: PersistentType: HTML rl_page_init_referrerRegisters how the user has reached the website to enable pay-out of referral commission fees to partners. Expiry: PersistentType: HTML rl_page_init_referring_domainRegisters how the user has reached the website to enable pay-out of referral commission fees to partners. Expiry: PersistentType: HTML rl_sessionPending Expiry: PersistentType: HTML rc::fPending Expiry: PersistentType: HTML bcookieUsed by the social networking service, LinkedIn, for tracking the use of embedded services. Expiry: 1 yearType: HTTP ajs_user_idThis cookie is used to collect data on the visitor's behavior on the website - this information can be used to assign the visitor to a visitor segment, based on common preferences. Expiry: SessionType: HTTP #-visitorIdPending Expiry: PersistentType: HTML yt.innertube::nextIdRegisters a unique ID to keep statistics of what videos from YouTube the user has seen. Expiry: PersistentType: HTML ytidb::LAST_RESULT_ENTRY_KEYUsed to track user’s interaction with embedded content. Expiry: PersistentType: HTML YtIdbMeta#databasesUsed to track user’s interaction with embedded content. Expiry: PersistentType: IDB yt-remote-cast-availableStores the user's video player preferences using embedded YouTube video Expiry: SessionType: HTML yt-remote-cast-installedStores the user's video player preferences using embedded YouTube video Expiry: SessionType: HTML yt-remote-connected-devicesStores the user's video player preferences using embedded YouTube video Expiry: PersistentType: HTML yt-remote-device-idStores the user's video player preferences using embedded YouTube video Expiry: PersistentType: HTML yt-remote-fast-check-periodStores the user's video player preferences using embedded YouTube video Expiry: SessionType: HTML yt-remote-session-appStores the user's video player preferences using embedded YouTube video Expiry: SessionType: HTML yt-remote-session-nameStores the user's video player preferences using embedded YouTube video Expiry: SessionType: HTML assets.step.com cdn.rudderlabs.com 2 __tld__ [x2]Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences. Expiry: SessionType: HTTP Unclassified 0 Unclassified cookies are cookies that we are in the process of classifying, together with the providers of individual cookies. We do not use cookies of this type. Cross-domain consent[#BULK_CONSENT_DOMAINS_COUNT#] [#BULK_CONSENT_TITLE#] List of domains your consent applies to: [#BULK_CONSENT_DOMAINS#] Cookie declaration last updated on 08.07.23 by Cookiebot [#IABV2_TITLE#] [#IABV2_BODY_INTRO#] [#IABV2_BODY_LEGITIMATE_INTEREST_INTRO#] [#IABV2_BODY_PREFERENCE_INTRO#] [#IABV2_LABEL_PURPOSES#] [#IABV2_BODY_PURPOSES_INTRO#] [#IABV2_BODY_PURPOSES#] [#IABV2_LABEL_FEATURES#] [#IABV2_BODY_FEATURES_INTRO#] [#IABV2_BODY_FEATURES#] [#IABV2_LABEL_PARTNERS#] [#IABV2_BODY_PARTNERS_INTRO#] [#IABV2_BODY_PARTNERS#] This website uses cookies to support website functionality, personalize content, provide social media features, and analyze traffic. Change your cookie settings at any time here. For additional information about our privacy practices, see our Privacy Policy. Decline Decline Allow selection Customize OK Powered by Cookiebot by Usercentrics Introducing Step Black with 8x Points, 5% on Savings up to $1M and $100+ in Perks Join Waitlist Step logoStep logo with colored accents and white text Benefits * Build Credit * Save * Invest * Earn Rewards * Get Paid Early For Parents * Overview * Credit History * Savings * Allowance * Rewards * Convenience * Investing Money 101Step BlackSecurityAboutFAQ Get Step Get Started * Benefits * For Parents * Money 101 * Step Black * Security * About * FAQ BANKING FOR THE NEXT GENERATION Get Step Scan to get started Earn 5.00% on your savings¹, build credit, invest, and get rewarded all in one place. (US) +1 Send We’ll text you a link to download Step Earn 5.00% on your savings1 With a qualifying direct deposit Banking services are provided by Evolve Bank & Trust and FDIC-insured up to $250,000¹ Powered by Visa with built-in fraud protection and Zero Liability³ guarantee for unauthorized charges The best way to build credit history2 (even before you turn 18) Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank. App Rating 52,106 Reviews Get more for less Get more for less NO MONTHLY FEES No subscription fees. No account minimum fees. No in-network ATM fees. You worked hard to earn your money, so you should keep it. NO OVERDRAFT FEES Your Step Account prevents you from spending more than what’s in your spending account so you don’t have to worry about overdrafting. NO INTEREST The average credit card interest rate for new cards is 19.13%⁴. You don’t pay any interest with your Step Visa Card. MAKE SMARTER MONEY MOVES BUILD YOUR CREDIT HISTORY Build credit history with everyday purchases, even before you turn 18². Good credit can save you money on things like car insurance. Learn more INVEST IN YOUR FUTURE Don’t wait until you’re 18 to learn how to invest⁵ responsibly. Buy fractional shares of thousands of stocks⁶ and bitcoin⁷ with as little as $1. Learn more EARN MORE ON YOUR SAVINGS Earn 5.00% on your savings balance up to $250,000 with a monthly qualifying direct deposit¹. No minimums or withdrawal restrictions. Learn more Earn 5.00% on savings1 Earn 5.00% on savings1 PAY AND GET PAID GET YOUR PAYCHECK EARLIER Set up direct deposit and get your paycheck up to 2 days earlier than if you were to use a traditional bank or get your check in the mail⁸. Learn more EARN REWARDS ON EVERYDAY SPEND Score points⁹ when you use your Step Visa Card to eat out, order in, subscribe to your favorite streaming services, and more. Redeem your points for cash. Learn more PAY OVER TIME Get money back from a recent purchase and paying for it in smaller increments over time. Eligibility and limits requirements apply. See Terms Instantly Send and Receive Money To Step Users Instantly Send and Receive Money To Step Users Learn More STEPHEN CURRY, 4X NBA CHAMPION & CEO AT SC30 Investor Spotlight “I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.” APP RATING Apple App Store 50,616 Reviews “MY CREDIT SCORE IS 734 AND I JUST TURNED 18...” “You guys are amazing! My credit score is 734 and I just turned 18 a couple weeks ago! This will be amazing for my student loans. Thank you!” Michael P. “I LOVE THIS APP...” “I love this app. I’ve had it for a while and it really helps me with finances and how to wisely spend money.” Virginia J. “A HEAD START IN MY FINANCIAL JOURNEY...” “I can’t thank Step enough for giving me a head start in my financial journey…Step has no fees, it’s free to open, and it built my credit score to 706!” David R. “I LOVE THE CREDIT BUILDING FEATURE...” “I love the credit building feature. My score ended up being over 700! I was extremely excited.” Nicholas L. “IT HELPS ME TO SAVE FOR THINGS I WANT...” “This app is amazing. It helps me to save for things I want and need in clusters. And it monitors what I buy and when I buy it. The best part is it is completely free including the card which has 3 color options.” Jaylissa “THIS APP HAS GIVEN ME SO MUCH FREEDOM...” “This app has given me so much freedom with my own money. I have my own card and I love that I can save my allowance. I have subscriptions set up and am able to go out shopping...” Breanna Participants may be compensated for their participation. GOT QUESTIONS? If there are no monthly fees, how does Step make money? "Unlike traditional banks who make money by charging you fees, Step makes money from interchange fees. When you use your Step Visa Card, card networks collect a service fee (kind of like a tax for the merchant charging your card) and Step gets a percentage of that fee. We also include a 2% markup on investing transactions to help cover our costs. How does Step help me build my credit? The Step Visa Card is a secured credit card that allows you to make purchases up to the amount that is in your Step Spending Account. With Smart Pay, your purchases are automatically paid off at the end of each month so you never have to worry about a bill or payments. You can opt in for us to report your transaction history as positive payment history to the credit bureaus when you’re 18+. How can a good credit score help me? Here’s the short answer: When you have a good credit score, you can get better terms and lower interest rates on basically everything – auto insurance, student loans, cell phone plans, and much more. Low scores or no scores can cost you money. Learn more here. What does it mean that Step is a credit card with added protection? The Step Visa Card is a new kind of secured credit card that is protected by Smart Pay. By default, you can only spend up to the amount of money that you deposit to your Step Spending Account. But you get the fraud protection and credit building benefits of a credit card, without the interest rates or overdraft fees most credit cards charge. Can I use the app to send and receive money to friends and family? You sure can! You can use Step’s peer-to-peer payment feature to pay a friend back for lunch, receive rent from your roommate, or get your birthday cash from grandma. You can send money to people who aren’t on Step yet but in order to receive money from others, they’ll need to have their own free Step Account. See all FAQs GET MONEY SMART. GET AHEAD Get Step Company * About * Careers * Press * Money 101 Blog * Step Merch Store Legal * Policies * Privacy Policy * COPPA * Cookie Declaration * Do Not Sell My Personal Information Support * FAQ * Contact Us * Partner With Us * Status Step logoStep logo with colored accents and white text Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Your Step deposit account is not an interest bearing product. The savings percentage is not interest, but instead earned as cash rewards directly funded and managed by Step. The rewards, if calculated as an APY, would be 5.00%. This percentage is variable and may change over time. See our Step Premium Rewards terms for more detail. To qualify, a minimum direct deposit of $500 or more from a payroll provider or employer within each 30 day period is required. We may offer promotions for new or existing customers from time to time. The Step Visa Card is designed to help build positive credit history. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing, to Transunion®, Experian®, and/or Equifax®. We do not have control over your credit scores generated by the credit bureaus. Even when we report positive credit history on your Step Visa card, your overall credit history and scores, as built by the credit bureaus, may be impacted by your financial activity outside of your Step Visa card (including any other Step loan products or other external activity). 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. Contact your issuer for more detail. https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841 Investing and advisory services for the purchasing and selling of stocks (including certain ETFs) are provided by Step Advisers LLC, a SEC-Registered Investment Adviser (“Step Advisers“). Investment accounts are held by DriveWealth, LLC, a member of the Financial Industry Regulatory Authority (FINRA) . We provide investment advisory services by making non-discretionary recommendations on a client's investment outlook. We do not manage client funds or hold custody of assets. The information presented herein is for educational purposes only and does not constitute investment advice or an offer to buy or sell any security, investment or other product. Securities (stock and ETF) services powered by Drivewealth, LLC. Your assets are custodied by Drivewealth, LLC, not Step, and is insured by the Securities Investor Protection Corporation (SIPC), up to $500,000 (including $250,000 for claims for cash). Your stock account is not FDIC insured. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. While we believe the information presented here to be accurate, we do not guarantee its accuracy or completeness. Any examples are hypothetical and for illustrative purposes only. Hyperlinks to third-party content are intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals or points of view outside Step.com. See additional risk disclosures here. Cryptocurrency transaction and custody services offered through Zero Hash LLC and Zero Hash Liquidity Services LLC. Cryptocurrency assets are held by Zero Hash, and Step is not involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Crypto on Step is not currently available in HI or NY. Cryptocurrency isn't backed by any central bank or government, are volatile, and involve a high degree of risk (including possible loss of principal), and are not insured by FDIC or SIPC. For more information on digital asset risk see FINRA, SEC, and CFPB public advisories, and our risk disclosures here. The information provided on this website does not constitute investment advice, financial advice, trading advice or any other advice and should not be used as such. Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. While not guaranteed, Step generally makes these funds available on the day the payment is received, which may be up to 2 days earlier than the scheduled payment date. The rewards program is not offered by or affiliated with Evolve Bank & Trust. It is fully managed by Step. See terms here. ©️ 2020 - 2023 Step Mobile, Inc. All rights reserved.