Quality degradation at Step - Earn 5.00% on Savings  
Users report higher volume of Quality Issues than usual
62
fair

Step - Earn 5.00% on Savings | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-14 Points Past 7 Days
Category: Finance
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30-Day Trend
 
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Android unitQ Score
Android User Feedback
79%
Android
61 Reports
iOS unitQ Score
iOS User Feedback
21%
iOS
16 Reports
User Feedback
21%
iOS
16 Reports
79%
Android
61 Reports
Step - Earn 5.00% on Savings - Latest Quality Issues
iOS
Apr 26, 2024
Scam
Seems like a bootleg version of what Chime is doing successfully! I do not recommend: They are definitely trying to scam people who are trying to build credit!!
Android
Apr 28, 2024
Slow processing time to transfer money from a bank account into the step account. We plan to switch to something different.
Android
May 1, 2024
My account was just closed, I haven't done anything to get it closed, haven't deposited money, or taken out money in over a year. Why would you guys close my account?
iOS
May 2, 2024
Please reactivate my account
banned from my step account I wish step gave us 1 warning to behave to continue using my step account. I really need that black card so can you please reactivate my account? I'm having trouble logging in my step account
Android
May 4, 2024
I can't activate my card and it likes to reset my virtual card.
Android
May 6, 2024
The *fresh new look* is much less intuitive than the previous one, which did not need an update. Please, Step, take an *L* on the UX update, undo it, and try again.
iOS
May 7, 2024
hacked
gave them 1 star because zero wasn't an option. kept getting hacked and never fixed the issue. i continuously contacted the customer service and nothing changed. i got my direct deposit into this account and it has been drained twice.
iOS
May 7, 2024
Refund
They told me I couldn't get a refund and I mistakenly purchased the upgrade for $99 I don't Recommend anyone to get this app because they beat me at a 99 bucks
Android
May 9, 2024
This app stole my monney whenever My friend gave me my money that I needed.
Step - Earn 5.00% on Savings - Product Description
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).
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