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Submission: On August 31 via api from FI — Scanned from FI
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* Necessary 14
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
2
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1.gifUsed to count the number of sessions to the website, necessary for
optimizing CMP product delivery.
Expiry: SessionType: Pixel Tracker
CookieConsentStores the user's cookie consent state for the current domain
Expiry: 1 yearType: HTTP Cookie
* Google
2
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Some of the data collected by this provider is for the purposes of
personalization and measuring advertising effectiveness.
test_cookieUsed to check if the user's browser supports cookies.
Expiry: 1 dayType: HTTP Cookie
_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 Cookie
* Iovation
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#-#-#-#-#Pending
Expiry: PersistentType: HTML Local Storage
io_token_#Used by the website to detect any fraud and ensure brand safety
management on the website.
Expiry: 1 yearType: HTTP Cookie
* LinkedIn
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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 Cookie
JSESSIONIDPreserves users states across page requests.
Expiry: SessionType: HTTP Cookie
* Typeform
1
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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 Cookie
* assets.step.com
5
_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 Local Storage
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 Local Storage
rc::bThis cookie is used to distinguish between humans and bots.
Expiry: SessionType: HTML Local Storage
rc::cThis cookie is used to distinguish between humans and bots.
Expiry: SessionType: HTML Local Storage
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 Cookie
* Preferences 10
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
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intercom-device-id-#Sets a specific ID for the user which ensures the
integrity of the website’s chat function.
Expiry: 271 daysType: HTTP Cookie
intercom-id-#Allows the website to recoqnise the visitor, in order to
optimize the chat-box functionality.
Expiry: 271 daysType: HTTP Cookie
intercom-session-#Sets a specific ID for the user which ensures the
integrity of the website’s chat function.
Expiry: 7 daysType: HTTP Cookie
* Iovation
1
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io_f604be51-ccf5-4d26-9cc2-3c44e1fdceb9Unique user ID that recognizes the
user on returning visits.
Expiry: PersistentType: HTML Local Storage
* LinkedIn
2
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langNecessary for maintaining language-settings across subpages on the
website.
Expiry: SessionType: HTTP Cookie
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 Cookie
* Typeform
1
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tf_respondent_ccUsed to implement forms on the website.
Expiry: 6 monthsType: HTTP Cookie
* assets.step.com
1
tf_random_idUsed to implement forms on the website.
Expiry: PersistentType: HTML Local Storage
* assets.step.com
step.com
2
intercom.intercom-state [x2]Stores 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 Local Storage
* Statistics 9
Statistic cookies help website owners to understand how visitors interact
with websites by collecting and reporting information anonymously.
* Google
2
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Some of the data collected by this provider is for the purposes of
personalization and measuring advertising effectiveness.
_gaRegisters a unique ID that is used to generate statistical data on how
the visitor uses the website.
Expiry: 2 yearsType: HTTP Cookie
_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 Cookie
* LinkedIn
1
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li_gcStores the user's cookie consent state for the current domain
Expiry: 180 daysType: HTTP Cookie
* TikTok
1
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_tt_enable_cookieUsed by the social networking service, TikTok, for
tracking the use of embedded services.
Expiry: 1 yearType: HTTP Cookie
* Typeform
2
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dd_cookie_test_#Registers data on visitors' website-behaviour. This is
used for internal analysis and website optimization.
Expiry: 1 dayType: HTTP Cookie
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 Cookie
* assets.step.com
3
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 Local Storage
storage.LinkingStorePending
Expiry: PersistentType: HTML Local Storage
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 Cookie
* Marketing 33
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.
* Google
5
Learn more about this provider
Some of the data collected by this provider is for the purposes of
personalization and measuring advertising effectiveness.
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: 400 daysType: HTTP Cookie
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 Tracker
NIDPending
Expiry: 6 monthsType: HTTP Cookie
pagead/1p-conversion/#/Pending
Expiry: SessionType: Pixel Tracker
_gcl_auUsed by Google AdSense for experimenting with advertisement
efficiency across websites using their services.
Expiry: 3 monthsType: HTTP Cookie
* LinkedIn
1
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bcookieUsed by the social networking service, LinkedIn, for tracking the
use of embedded services.
Expiry: 1 yearType: HTTP Cookie
* TikTok
5
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tt_appInfoUsed by the social networking service, TikTok, for tracking the
use of embedded services.
Expiry: SessionType: HTML Local Storage
tt_pixel_session_indexUsed by the social networking service, TikTok, for
tracking the use of embedded services.
Expiry: SessionType: HTML Local Storage
tt_sessionIdUsed by the social networking service, TikTok, for tracking
the use of embedded services.
Expiry: SessionType: HTML Local Storage
_ttp [x2]Used by the social networking service, TikTok, for tracking the
use of embedded services.
Expiry: 1 yearType: HTTP Cookie
* Typeform
1
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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 Cookie
* YouTube
3
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LAST_RESULT_ENTRY_KEYUsed to track user’s interaction with embedded
content.
Expiry: SessionType: HTTP Cookie
nextIdUsed to track user’s interaction with embedded content.
Expiry: SessionType: HTTP Cookie
requestsUsed to track user’s interaction with embedded content.
Expiry: SessionType: HTTP Cookie
* 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 Local Storage
rc::fThis cookie is used to distinguish between humans and bots.
Expiry: PersistentType: HTML Local Storage
__tld__Used to track visitors on multiple websites, in order to present
relevant advertisement based on the visitor's preferences.
Expiry: SessionType: HTTP Cookie
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 Cookie
#-visitorIdPending
Expiry: PersistentType: HTML Local Storage
#-#Used to track user’s interaction with embedded content.
Expiry: SessionType: HTML Local Storage
iU5q-!O9@$Registers a unique ID to keep statistics of what videos from
YouTube the user has seen.
Expiry: SessionType: HTML Local Storage
yt.innertube::nextIdRegisters a unique ID to keep statistics of what
videos from YouTube the user has seen.
Expiry: PersistentType: HTML Local Storage
yt.innertube::requestsRegisters a unique ID to keep statistics of what
videos from YouTube the user has seen.
Expiry: PersistentType: HTML Local Storage
ytidb::LAST_RESULT_ENTRY_KEYUsed to track user’s interaction with embedded
content.
Expiry: PersistentType: HTML Local Storage
YtIdbMeta#databasesUsed to track user’s interaction with embedded content.
Expiry: PersistentType: IndexedDB
yt-remote-cast-availableStores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML Local Storage
yt-remote-cast-installedStores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML Local Storage
yt-remote-connected-devicesStores the user's video player preferences
using embedded YouTube video
Expiry: PersistentType: HTML Local Storage
yt-remote-device-idStores the user's video player preferences using
embedded YouTube video
Expiry: PersistentType: HTML Local Storage
yt-remote-fast-check-periodStores the user's video player preferences
using embedded YouTube video
Expiry: SessionType: HTML Local Storage
yt-remote-session-appStores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML Local Storage
yt-remote-session-nameStores the user's video player preferences using
embedded YouTube video
Expiry: SessionType: HTML Local Storage
* Unclassified 9
Unclassified cookies are cookies that we are in the process of classifying,
together with the providers of individual cookies.
* assets.positional-bucket.com
8
positional_debugPending
Expiry: SessionType: HTML Local Storage
positional_trackPending
Expiry: SessionType: HTML Local Storage
positional_visitPending
Expiry: SessionType: HTML Local Storage
positional_visitorPending
Expiry: SessionType: HTML Local Storage
positional_debugPending
Expiry: SessionType: HTTP Cookie
positional_trackPending
Expiry: 2 yearsType: HTTP Cookie
positional_visitPending
Expiry: 1 dayType: HTTP Cookie
positional_visitorPending
Expiry: 2 yearsType: HTTP Cookie
* assets.step.com
1
persisted-queue:v1:dest-Segment.io:lockPending
Expiry: PersistentType: HTML Local Storage
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Step logoStep logo with colored accents and white text
Benefits
* Build Credit
* Save
* Direct Deposit
* Rewards
* Invest
Money 101FamiliesSecurityAboutFAQ
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* Benefits
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* About
* FAQ
BANKING THAT BUILDS CREDIT
Step is the safe and easy way to build your credit̍ for free and get more from
your paycheck with unlimited cashback on purchases. This is banking the way it
should be.*
Download Step
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App Rating
96 000 Reviews
Step users in their 20s increase their credit score by an average of 57 points
in one year. ͆
Earn 5.00% on your savings
Your money deserves better. Get a savings rate that’s 11x ̾ ̾ the national
average.̾
Get up to 8% cashback
Turn your spending into saving with up to 8% cashback on every purchase and no
limit on your total rewards.˖˖
Learn More
Safe and secure
The Step Card comes with Visa’s Zero Liability Protection Policy** and
FDIC-insured up to $1,000,000***
HOW DOES YOUR BANK STACK UP?
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$500 in annual perks ͑
Free Credit Building
5.00% Savings Rate
Cashback on Everything
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APP RATING
96,000+ Reviews
I LOVE STEP
I love Step. The customer service is amazing, the rewards are some of the
highest in the banking world, along with the interest on savings. Super helpful
as a college student!
Jacobtheidahoan2004
BETTER THAN BANK OF AMERICA
I got Step last week because of the 5% APY savings and benefits of the Step
Black card. One week in and its already better than Bank of America…
AustinReviews23
BROUGHT ME FROM NO SCORE TO 735
I didn’t have a score before but when I chose to opt in, it helped dramatically.
It brought me from no score to 735 in one night because I was using Step
previously.
John C.
STEP IS WAY BETTER
I’m honestly mad I did not get this sooner. I have used Current before it and
Step is way better.
Trevor Ve
Participants may be compensated for their participation. Numbers are for
illustrative purposes only.
STEPHEN CURRY
4x NBA champion, CEO at Thirtyink, Step investor
“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.”
BETTER BANKING FOR ALL
With Step, your whole family can safely
build credit history, grow their savings,
and build their financial foundation at any age.
Learn More
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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.
̍ 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®. Step users can build credit history for up to two years before turning
18. 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).
* 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.
˖ The rewards program is not offered by or affiliated with Evolve Bank &
Trust. It is fully managed by Step. See terms here.
͆ Average based on analysis conducted by TransUnion based on 594 Step users
age 21-27 with a positive increase in their credit score within a 360 day period
beginning from the first instance of Step reporting to the credit bureau.
̾ Your Step account is not an interest bearing product. The savings percentage
is not interest, but instead earned as cash rewards funded by Step. The rewards,
if calculated as an APY, would be 5.00%. This percentage is variable and may
change over time. See terms for more detail. Requires Step Black enrollment,
either through qualifying direct deposit or paid monthly membership.
̾̾ The national average rate referenced is from FDIC's published national
average savings rate, accurate as of October 16, 2023. See the FDIC website for
more information: https://www.fdic.gov/resources/bankers/national-rates
˖˖ 8% cashback on purchases up to a max of $6000 annually with select Step Black
Partners. After hitting the max, you will continue to earn standard points
multipliers (3% on dining/food delivery and charitable donations, 2% on
subscriptions/entertainment, 1% on everything else). Requires Step Black
enrollment, either through qualifying direct deposit or paid monthly membership.
** 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.
*** The FDIC provides deposit insurance to protect your money in the event of a
bank failure. Your deposits are automatically insured to at least $250,000 at
each FDIC-insured bank. The standard maximum coverage is $250,000, unless
otherwise agreed by Evolve in its sole discretion in limited circumstances, such
as for eligible Step Black users, who are eligible up to $1,000,000. A Program
Bank is a bank partner of Evolve that holds your deposits in an account opened
at the bank on your behalf by Evolve. Evolve maintains the first $250,000 of
your deposits, and all funds in excess of $250,000 are deposited on your behalf
with one or more Program Banks, subject to the terms of the Bank Deposit
Custodial Program here. Deposits to certain Program Banks designated as Priority
Banks will be eligible for Federal Deposit Insurance Corporation (FDIC)
insurance up to a total of $250,000 or such other greater amount (Insurance
Eligibility Limit) as disclosed to you by Evolve. End users are able to opt out
of Program Banks at their discretion, however, FDIC insurance may be reduced or
forfeited.
͑ Ability to earn $500+ in the form of credits on purchases or statement
credits for purchases with select Step Black partners, as will be advertised.
Step does not provide, endorse, or guarantee any third-party product, service,
information or recommendation listed above. The third parties listed are solely
responsible for their products and services, and all trademarks listed are the
property of their respective owners. Enrollment may be required.
̊ 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.
ˆ A): Investment Products: May lose value | Not FDIC Insured B): 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. C): 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.
֕ Average point difference based on analysis conducted by TransUnion (TU)
based on the national average of users ages 17-20 within the TU database and
3006 Step users within that age group. Step users with only Step trade line on
their credit report were considered as part of this analysis.
֠ 721 is the median credit score at the time trade was first reported to
Transunion for Step consumers ages 17-99. Only those consumers who had 1) only a
Step trade and 2) a score available at trade first report date and a score post
30 days, 90 days, 180 days, 270 days and 360 days available for analysis are
included.
͋ Eligibility is not guaranteed. Must be 18 years or older and successfully
verify your identity. May be required to meet a minimum direct deposit amount.
Subject to account review, including good standing status
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