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Borrow, bank, and build credit all in one app Once a month, step uses your deposit account balance to pay off your card balance without any interest charges. Step gives you smarter tools to help you take control and grow your money quickly.

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Step is an online banking app for teens under the age of 18 who are too young for a traditional checking account Each time you use the card to make a purchase, step removes that amount from your step deposit account — kind of like a regular debit card There are no monthly fees, overdraft fees or minimum balance requirements

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You can also make free atm withdrawals

Each adult and teen receives their own debit card and banking account. Step is a banking app that’s built with teens in mind. Learn about how step works, how we make money, card protections, making deposits, how to set up direct deposit and other frequently asked questions. Step is financial independence at your fingertips

The average step user boosts their credit score by 57 points in their first year Step provides debit card functionality for teens but other checking features are not present For example, the only way to move money into your step account is from another bank account via a debit card or by linking to a cash app, venmo, or paypal account. Step’s card is a secured card that helps kids build a credit history

The card is backed by a deposit account, which acts as your kid’s spending limit

When your kid uses their step card, the amount charged is repaid by the deposit account at the end of the month. Step is the safe and easy way to build credit history, even before you turn 18 Get a free fdic insured bank account & step visa card with no subscription fees.