Step - Earn 5.00% on Savings | unitQ Score

Step is the all-in-one banking solution that helps 4+ million users build smarter money habits. With Step you can earn 5.00% on your savings balance up to $250K (more than 12x the national average)¹ and get up to 3x points when you set up qualifying direct deposit. Step Users can also build a positive credit history, even before you turn 18³, with an FDIC-insured bank account and a FREE Visa² Secured Card. You can invest in stocks, set savings goals, earn rewards, and send and receive money to other users instantly⁴.  Step lets you easily track your transaction history, portfolio balance, and savings progress and 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:
- Earn 5.00% on savings
- No signup fees, monthly fees, no overdraft fees
- Invest in Stocks⁷ 
- Earn up to 3x points
- Build positive credit history even before 18
- Rewards at revolving merchants
- Get paid up to 2 days early with direct deposit⁶
- Instantly send and receive money 
- Deposit cash at 70,000+ retail locations nationwide
- 30,000+ fee-free ATMs nationwide⁵
- Merchant blocking
- Customize your 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

Additional benefits for parents:
Parents can have peace of mind knowing that their teens’ transaction history is only a click away. With features like savings goals, merchant blocking, and automated allowances, parents can feel confident that Step is setting their teen up for financial success.

- No signup fees, no monthly fees, no overdraft fees
- Instantly send money to your teens⁴ and automate their allowances
- Connect your existing debit card, bank account, or other apps
- Visibility into your teen’s spending and savings
- Customer support 7 days a week
- Freeze your teens’ Step Card anytime
- Add up to four family members to Step
- Protected by Visa's Zero Liability Policy²

¹Step deposit account is not interest bearing. Savings percentage is not interest but is cash rewards directly funded and managed by Step. The rewards, if calculated as an APY, would be 5.00%. Percentage is variable and may change. The national average rate referenced is from FDIC's published national average savings rate, accurate as of 5 10, 2023.

²Step is a financial services platform. Banking services provided by and the Step Visa card issued 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.

³ Step Visa Card is designed to help build positive credit history. Positive history reported, to the 3 major bureaus, on and only to your Step Visa card activity, subject to account in good standing. We do not have control over your credit scores. Your overall credit history and scores as reported by the bureaus may be impacted by your activity outside of your Step Visa card (including any other Step loan products or external activity), as credit scores are built by the bureaus based on a number of factors, including activity outside of the Step Visa Card. 

⁴Transfers may be subject to review by Step or your bank which may result in delays. 

⁵Out-of-network ATM withdrawal fees apply

⁶Early access to direct deposit funds depends on the timing of the payment file from your payer. 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.

⁷Investing and advisory services provided by Step Advisers LLC, a SEC-Registered Investment Adviser, by making non-discretionary recommendations.Investment accounts are managed and custodied by DriveWealth, a member of the Financial Industry Regulatory Authority (FINRA).