59
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
-1 Point Past 7 Days
Category: Finance
Work at Step Mobile Inc.? Unlock additional insights
30-Day Trend
 
Poor
 
Fair
 
Good
 
Epic
Work at Step Mobile Inc.? Unlock additional insights
Android unitQ Score
Android User Feedback
72%
Android
64 Reports
iOS unitQ Score
iOS User Feedback
28%
iOS
25 Reports
User Feedback
28%
iOS
25 Reports
72%
Android
64 Reports
Step - Earn 5.00% on Savings - Latest Quality Issues
iOS
Mar 18, 2024
Thief
They stole my money do not trust them they don't have a number or live costumer support
Android
Mar 20, 2024
I really wanted to like this app, I downloaded it and signed up for an account but it keeps freezing (stays stuck on the screen with the logo) and I have to keep completely closing out of the app and back in, which is annoying how often I have to do that.
Android
Mar 21, 2024
This card company have lost it, holding my money because I funded my card with my virtual debit card I have never been through such unprofessional agents every in my life Somebody needs to be held accountable for this stupid Now they just close my account without sending my money back first or allowing me to withdraw my funds that I sent to this card Somebody needs to be fired asap
iOS
Mar 21, 2024
Not very helpful
I using the is app to save money for the kids but for the sponsored account I can't even change her money over and for my own account I can't use my virtual card or move money because my account is limited it does not even show the account limits for with drawing and moving money it's all blank I tried emailing customer service but to no avail this is frustrating. I tired to hit the link to restore my account but it wasn't helpful in the slightest
Android
Mar 22, 2024
No customer service. Allows fraudulent transactions and wont help you get the money back. I had $1400 stolen and they shrugged it off. I'm now in the process of sueing the company for negligence and false advertising
iOS
Mar 25, 2024
HORRIBLE experience
I use this app all the time to buy stuff but lately it's constantly been taking money from me ($1.06 30$+ 70$+) when I don't have ANY subscriptions, I've checked everything and nothing is taking money, every time I try to buy something rather than letting me buy the thing I'm trying to buy. It then spams me with notifications telling me I don't have enough money in my account as if it didn't just take my money without a reason. Please fix this I can't make any purchases because it constantly takes my money.
iOS
Mar 25, 2024
money was stolen by app
my money was stolen by the app from my save account, i had $30 in it, the app logged me out and when i logged back in my money was gone and it shipped a new card, both of the cards were locked.
Android
Mar 26, 2024
DO NOT GET. THEY TAKE TWO WEEKS TO MAIL CARD (WITHOUT TRACKING NUMBER), THEIR SUPPORT TEAM IS BEYOND HORRENDOUS, THEY DO NOT HAVE A NUMBER WHERE YOU CAN SPEAK WITH A HUMAN, YOU CANNOT USE CASHAPP OR ZELLE ( CAN ONLY TRANSFER TO BANK IN THEIR NETWORK FOR FEE) AWFUL
Android
Mar 26, 2024
App barely functions, won't let me even log in.
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).
Want to improve your unitQ Score by 20% within 30 days?
All intellectual property rights, including trademarks and word marks, are the property of respective owners