Step: Build Credit Get Rewards App Reviews

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This app is one of a kind!. Ok this app is AMAZING!!! I’m 14 and me and my friends find this app so helpful, we like to go shopping together a lot and obviously can’t bring our parents cards with us because it’s theirs, so we usually need to carry all of our money and we are always losing it, then we have to recount and all of that but STEP!!!! Step came into our life’s and we are SO THANKFULL!! And our cards came into the mail pretty fast! My parents can send me money and I can send money back! Same thing we my friends too! And also if you are a teenager and want to download STEP your going to need parent approval and you parent has to get the app also they they know what you spend your money on and who sends you money and also what money you send!! Overall this app is the best! Cash app and Venmo all have fees when STEP doesn’t!!! I hope this review helped because honestly from my experience you should 100% GET THIS APP!!!!!!

FINALLY GEEZ. i just wanna say that this app is amazing, i’ve been a user since 2020 and it’s always been great and i always appreciate how it’s building everyday and getting even better, but now… FINALLLY bitcoin has a price check in the app, that was really annoying for wayyyyyyy to long (like for months since investing got introduced), but thank you for finally doing 🙏🏽 hope to maybe see some other coins????? it says explore crypto available on step but it’s just the one coin? that seems a little weird. anyways thank you and 10/10 would recommend, great for parents too!

Good at the Beginning. I heard of Step from an advertisement on a social media, and thought it was a good way for me to build credit being under 18. I thought I’d get a head start on credit building before most of my peers. I just turned 18 and I tried to check my credit score but was told I have no credit history. It turns out that you have to be 18 to even opt in for credit reporting on Step, which would’ve been useful to know before spending a year, thinking I’m building credit with every purchase. I was told I had to remove my sponsor in order to opt in for credit reporting, which froze my account. I don’t care anymore, because my money is out of Step, but please don’t advertise building credit as a minor when you’re actually not.

Used to use it all the time, now random charges I didn’t make on my account. I am beyond frustrated because I used to live using Step, it was simple and useful. But a couple months ago, random charges from websites and places I’ve never been to appeared on my card. Before I never had enough money so they declined, but today I was charged with 28 dollars 4 times on my card, taking away a lot of money that I was sent. I tried to get my money back on the website saying my information was stolen, but I had no luck. Now I don’t have enough money to purchase what I needed and won’t get any for a while. I don’t know what happened but I am angry that I’m at a loss for money and that someone was using my card and I haven’t given anyone my information and haven’t been using my card on sketchy websites. So if I could have help I would really appreciate.

This is what your kids need. Let me just start off by saying that it is 100% FREE no fees or anything like that and it’s easy to send your kids money and it’s easy for you kids to spend money safely and you can keep track of what your kids a buying and what there spending it on and the card is amazing you can pick your own color purple, blue and yellow I think and it has your own signature on the back and if you lose your card don’t worry you can lock your card and you can get another for FREE and while your card is being shipped to you, you can still buy stuff with your virtual card so if you forget your card you still have your virtual card.

Well Designed and Financially Helpful. I have been banking with Step for 2 years now. And, as a teen myself… being able to get a jumpstart on building credit history before 18 is something I believe is very crucial. I am so glad an app like Step is so available and able to offer that to millions of teens. The card itself is amazing, it is a credit card. However, you can only spend what is in your account, so no over-drafting or debt! Additionally, I haven’t had any issues, refunds are always fast, customer service is always helpful and kind, and the app itself is very thoughtfully planned out and designed. I enjoy it thoroughly. As a result, I have decided to try out their premium program, Step Black. I have been nothing but satisfied and hope they continue to improve. I have recommended this company to many of my friends and colleagues, all so far have been satisfied as well.

I’m in love with this app. It took me a very short amount of time to set up a new account and card with them using my cashapp. While I wait for my card to arrive in the mail, I can use the virtual copy of it to basically pay for anything. Not only can you start building a credit history through your teenage years. It’s also very easy to use and set up. It’s compatible for apple wallet, and you don’t have to worry about online stores not accepting your cashapp because you’ve basically got a whole credit card that has nothing to do with cashapp and can be used as a separate card.

Too many issues. When I first started using the app I didn’t have any issues. The most I kept in my account was around 30 bucks. I had used my moms PayPal to find my account and worked perfectly fine. The second time I used PayPal, I funded $80 into my account. They flagged that transaction as “suspicious activity” and blocked my account from actions. IT HAS BEEN TWO MONTHS. I cannot take the money out, spend it, or add more funding. They requested proof of the PayPal transaction and a form of identification from my sponsor. My sponsor sent the requested documents and they keep asking for more personal information. It is very frustrating having money that I cannot touch. It all feel like a scam and like they just want to steal your money. If I ever get my money out, I’m never using this app again. There is just too many issues and personal information is always being asked for. Nothing is ever enough, more and more just keeps being requested to “lift limitations”. I don’t recommend this app. Please save yourself from the countless headaches. I hope I’m finally able to have my limitations lifted. They deserve zero stars.

Issue/Bug: Error message when trying to get into the app.. In all honesty, this app is great, but there are bugs that need to be fixed. I was trying to get into the app today, but a error message popped up. It told me to retry, but that didn’t work. I read another review with this problem from 5 months ago, and I guess they haven’t done anything to fix this problem. I re-downloaded the app, but it wouldn’t let me get past the page where you put in my email. I closed up the app and re-opened it, and it happened again. Please fix this, I have $30 in my account and need it back.

My Money Was Stolen. I have been banking with Step for nearly a year now. I loved this bank until recently. A couple of weeks ago, I don’t know how but my virtual card information was stolen and used to make a $40 purchase with a company located on the other side of America from me. I opened a dispute, which was closed after a “thorough investigation” concluded that the transaction was “fully authorized” by me. I made several complaints pressuring the dispute to be reopened. I am a high school student-athlete, and a graduating senior. I am already very tight on money having to prepare for prom and graduation, and I do not have a job or source of income considering I am a full-time athlete. An internal transfer for “Account Recoupment” led to the $23 and change of my remaining balance being taken from me by Step. My balance is now $0.00. Apparently Step contacted the company the unknown transaction was made with and got me a refund. The refund is $25 and change, not the full $40 amount. I am extremely upset. I don’t even know where the refund will be sent to, if not my account sponsor’s card. I hope my experience helps any of you make a decision before downloading this app and begin banking with Step.

Great way to start your financial journey. The card looks like a real pre-paid card and it was so easy to start my mom and I had no problems so far. If you visit the website it may answer all of your questions it is like cash app but for teens you can request money and send money and you can send a note with the money and it is so easy to buy what I want, you can choose what color you want your card and I think you should give it a try. I don’t know why some people are giving it a bad rate I think they are just trolling over all it is a good app. I also forgot to say but it is free of charge so it cost no money to start. Good luck with your financial journey 👍🏽.

Not adult friendly!. I stayed at a hotel and used my step card on June 1st with a hold of $225 for the hotel deposit. I checked out the next day and didn’t see my deposit until July 2nd! The hotel had confirmed that they released my deposit the day I checked out and when I would message the customer service through the app I was told that they can hold it up to 30 days which yes is a thing but only if the hotel has an issue which wasn’t the case so these companies are making money while holding my money giving me the run around why the bank they deal with won’t release it! No issues so far with my kids account, but what happened with the hotel incident for me is a red flag. If they would have kept my money I really had no way of holding them accountable and that was a little stressful. It was just $225, but I’m supposed to be entrusting these people with my money and for absolutely no reason takes off for 30 with money that was for a specific purpose, not a free ticket to take what you s mine for any amount of time because you found a loophole to make interest off other people’s money.

Step. Hey , my name is Javon I recently sighed up for step I think about 2 months ago I really like the app a lot but I didn’t have the problem until I turned 18 and my grandmother removed me from her as her sponsor, I use that card for everything plus getting direct deposit and I have money on that card and that also my way back and forth from work and I’ve tried to sign up for different people to sponsor me but it still won’t let me get into my account and it says that both of my cards are locked and it’s been two weeks now i haven’t been able to get no help or anything and It’s very frustrating when you have computer people trynna tell you what to do.

I need help logging in. Hello step! Recently I started to use this app and I love it, but my main concern is the log in options. I just want to know why there is only one option for logging in. Recently I had to reset my Apple ID which caused me to have to log into everything, and yes even though it’s quite irresponsible of me, I used the opposite of my main gmail to log in just in case it wasn’t legit. When my phone got reset, my gmail accounts did also. The account I signed in with, I can’t remember the password or name of the account. I’m currently experiencing money problems and if I can’t log into my account, I’d just have to go to another app. Im honestly really worried because I currently have money on there. I don’t know if you can but I was wondering if you guys could change my email?.. I tried to do it from the outside but even then it wasn’t working. I’m seriously concerned and really worried because now and days no one really carries cash which means I have to adapt. Btw, my phone number to the account is my actual phone number but the gmail isn’t. I thought that I could find some sort of way to get a verification sent to my phone number but I just couldn’t.

Useless. If you’re a teen, I can see some use for this bc it has spending limits and transfer limits but if you’re an adult this is probably the worst bank you can have. You can’t link more than $250 at a time to another, more useful bank account and if you do link $250 you won’t be able to link any amount for another 24 hours. Completely useless and it screws me over constantly. Parents, there’s wayyyyy better banks and apps to use if you want your teen saving and spending wisely or you know, you can open a savings and checking account with a more proven financial institution. I’d steer clear of this service because it’s only useful for maybe ages 11-16 and when they start making money at an actual job, they’ll get screwed. Getting a physical card is also a pain because I ordered one the last week of January, said it was supposed to come February 4th and now it’s March 17th and still no card. Completely and absolutely useless, would give 0 stars if I could

Incredibly dumb. My account was locked for some reason because I reached the daily transactions limit... isn’t the daily transactions limit like $500?? I only had $15 in my account and I definitely didn’t go above $500 I can’t make transactions on PayPal even though I linked my account number and routing number and I followed the step-by-step thoroughly. They still make me get an eTeller ID and my eTeller password and when I looked up whatever that is there were no results... I then asked the Help Center what an eTeller ID is and awaited their reply for 3 hours and then they reply with a copy and paste of an article that I already read when I asked a robot. I also made a Venmo account and linked it with my step account and to confirm that my account is real they send me a couple cents and then take it back. They sent me $0.52 but the step app declined the transaction bc “I reached my daily limit” but then the they somehow allowed Venmo to take back the $0.52 that they never gave me?? Huh??

Step is great for helping teens build credit and balance their allowance or payments.. This app is great thus far. Being a parent, I specifically searched for an app that gives kids or teens a bank card with an account without any monthly fees. Step has this. I have been connected with the app for a year now. It has updated a lot since then. The credit builder is something I recently found out about. Not sure if it’s been here all along. I know it really does report positive account activity on your reports. Get your children started while young. Then by the time they become 18, their credit score and report will be excellent. Something I wished was available when I was a teen. It’s a simple process to sign them up. You just have to already connect current banking or CashApp in order to send money to your children or teens. My experience using the app is great. There’s a help section to answer many questions or you can chat with someone. You get a virtual card while waiting that 14 - 21 day period for the physical card. Just be careful where you use that virtual card to avoid unsecured websites. Up next, they are soon adding stock trading where teens can buy stocks.

Step problem. I’ve Been using step for a long time a recently I lost my Step card so I ordered a new one I have to order a new one that came everything was going good that’s when I tried to add a new one to my Step so I added it to my Step and now I’m trying to add it to my phone every time I try to log into my Step and wouldn’t let me log into my Step and it always says you have to put a Social Security number so I put mySocial Security number and I’m trying to log my step and it won’t let me login and I’m trying to do this for months now and I can’t even get into my Step anymore and see my stuff

Unreasonable Actions. I’ve been using step for a little over a month now. I thought it was great, and my mom did too. We never had any issues until yesterday. I randomly got an email from an associate named “Karen” saying that my account had been closed because Step didn’t “fit my needs” and I apparently violated some kind of terms of service or policies, however I read through them all and had done nothing wrong. I’m severely disappointed. I had almost $300 in that account, as I am only 15 and it was direct deposited from my job. Because of this, I also have no way of receiving the money in my account back, as I did not have another card or bank account linked as a spending source. I’ve emailed them more than once, still waiting for a reply. I thought this app was going to be different, but it ends up just like all of the other ones I try for absolutely no reason. It doesn’t help that there are no options to speak to a representative on the phone either. Please fix this, I’ve worked too hard for my money to go to waste!

I RECOMMEND. Ok so .. I was in need of a credit card because I hated carrying cash because sometimes I never knew how much to bring and I never want to bring it all because I don’t want to lose all my cash and I started looking for banking for teens .. I came across green light but it didn’t work for me .. I came across step from Charli Damelios tiktok and I checked it out .. it literally took me 10 minutes to sign up and get my mom on board with it .. u can hook it up to your Apple Pay & etc .. I’ve been buying door dash , shein & etc with this card .. even though my card hasn’t came in yet .. the catch it you get a virtual card to use until your physical card comes in .. and this was extremely helpful .. so since all the adults I get money don’t have step .. they cash app it to me & then I cash it out & it deposits it straight to my step account even thought I don’t have a bank account .. so yea I recommend this app I’m in love !!

Fantastic for all ages. I signed up for Step, as a way to send money to my children (ages 8, 17, 17, & 19). It works fantastic for them. More than that, my husband and I use our cards for all everyday expenses. My own credit score has increased 125 points, in the last 12 months. Step has played a huge role in this. I have only a couple suggestions: 1) Sponsors should be able to choose if other sponsors can view their balance. We live very paycheck to paycheck, and it would be nice to see if someone needs gas or lunch money, day before day when there isn’t a lot to give. In that note: I can see how others might not want their balance shared. 2) A shared wallet would be nice. That way if I send my son/daughter to the store, they can move however much they need, without waiting on me to transfer from my card. 3) Mobile check deposits: I understand taking 7+ days for handwritten or personal checks, but business checks should be processed more quickly. My son is not offered direct deposit, and mobile deposits take so long to clear that he normally cashes his paycheck, and is not getting the credit benefits Step could offer.

My money hasn’t come. Look, everything about this bank is exactly what I needed which is perfect for me because I’m a teenager but there’s a huge problem. I gave my mom $50 in cash so she could send $50 from her bank to my step account but nothing has arrived and it’s been 3 days already! She even said it should’ve arrived because she got the notification that it did but my account balance is still $0.00!! The card says it expires 10/24 and I don’t know if that means it expired in 24 of October or in 2024 because I just made this account a few weeks ago and when I try to buy something online it says it’s expired. I need help please I’m afraid to replace my step virtual card because then I don’t know if my $50 never comes.

TOTALLY RECOMMEND. i usually don’t write reviews at all but Step is literally THE BEST APP for teen banking. 100% FREE NO MONTHLY FEES WHICH IS AMAZING. they added a lot more features since i had Step and it’s so amazing. there is direct deposit, the deposit cash feature is now available, the new savings feature, you can request and send money with anyone who has Step, you can link a bank account, link another debit card, direct deposit, and so much more. you also have a physical card that they send to your house and a virtual card that you can use to order online. literally the best app for teen banking. totally recommend! :)

New features I recommend. I recommend that there is a savings option so that teens can have a saving to teach them how to save and also a goals option where you can add as little to as much of your money to that goal till they reach the amount they need for the item like if they want to save for new headphones they can title it as “headphones” and then they can put how much they are for example “$30” and they can add to that goal till they reach the amount and the saving feature would be just like any other saving feature on other apps

THE BEST. The step card is the absolute best thing ever. I’m 16 and there’s not many options banking wise for me due to me being under 18. I love step because there’s seriously NO hidden fees. Everything is free from getting the card to actually putting money in your account. It’s super easy to use, it takes 2 seconds for me to add money from a debit card. Another one of my favorite things about step is that my parents can send me money instantly, I don’t have to use their card anymore to make online purchases or to buy things in the store. I just started working at my first job about 2 weeks ago and now I can even cash my checks in on step or use direct deposit! Guys, if you’re thinking about whether you should make a step account, do it, do it, do it!!!

Account Closed For No Reason. I had been with step for over a year. It was my first bank ever. I just got a job and decided to directly deposit my money into Step. My money would not go through. I decided to contact support to find out why. Turns out I had somehow violated the terms. My account had previously been limited because I need to verify I was a real person, when I had submitted everything I needed to already. I am so annoyed that this happened. I trusted Step for all my banking needs. I have no way of opening a new account so now I can’t get paid. I would like to have my account back, but I do not know if I could ever trust them anymore. It is a great app but closing people’s accounts for no reason is just unacceptable. I am absolutely baffled. I had not violated any terms. Support has been no help. I have seen this happen to others too. I am just livid. This is seriously ridiculous.

Cant get back into my account. I have been trying to log into my account for a few days now and haven’t been able to get into it. I keep getting an error message saying “Oops something went wrong, try again”. I have explained this to numerous agents in email and the issue still isn’t fixed. I have close to $60 on my account and can’t use it because I can’t access my account and my card wasn’t working. This was done intentionally because it all started when I tried to order from postmates and it didn’t authorize my transaction next thing I know I couldn’t get back into my account and I’m using my phone number. Someone needs to fix this or give me my money because at this point I am willing to seek legal action if this issue isn’t resolved! **Updated review** I was able to get back into my account after several emails and I’m happy I can use my money in my account. It’s a good app but has some issues. Please try to fix this!

I love The Step Card. I use the the step card as a spending and shopping online even have it in my wallet on my phone the virtual card that is I pay my regular bills with my using my bank and for subscription services I use my step virtual card to buy online and also paying at the pump I’ve used cash app it was ok but I ran into problems with cash app not being accepted for online purchases or even ordering food online that’s why I switched to step and am loving as my spending account it helps keeps a budget and knowing what I spend I highly recommend step you won’t be disappointed 💙👍😎

Billing Issues. I am indeed a spender, but I don’t spend what I don’t have. A few months ago I made a purchase thinking that the money was taken off my card right then and there, so I bought something else because I can afford it. But, now something is charging my card for over $40, I don’t currently have a job so money doesn’t just come in like that, I haven’t been able to purchase anything or even update the apps on my phone due to it. I believe that instead of taking the money out the purchase was made it waited and added up the other purchases I made in the same company, but it took the money when I made a purchase with a different company. So, it looked like my card wasn’t doing what is was doing. I have made some money and tomorrow the bill will be paid, but I will no longer be using the card.

Awesome alternative to greenlight!. My oldest was looking for a debit card and we didn’t want to go through the hassle of opening a minor checking account. We also have 3 younger children and several older relative that still send checks for holidays and special occasions. This app/banking company allows us to easily deposit checks into our account and disperse into the kids accounts. They send each child a card and are super quick to replace damaged/lost cards. My son got a new phone and phone number and step made it very easy to transfer his account to the new number. Highly recommend if you are looking for all the perks of greenlight but don’t want to pay the ridiculous fees. Step also refunds some ATM fees. Thanks Step!

they locked my account. i saw MULTIPLE reviews with a similar issue, we transferred money from paypal & venmo and the next day i was locked out and my account was deleted for suspicious activity. the only response we get is “you violated terms” they never tell you exactly WHAT you did, they delete ur acc with ur funds in there & never respond. i’m still so frustrated because i had so much trust in Step Mobile. And i can’t even make a new account so now my funds are just sitting around waiting to be transferred somewhere. i was able to get my funds back luckily but now i no longer have a card & bank which causes a lot of issues for me. no words can explain my frustration. plus, the customer service is terrible, it’s nearly impossible to reach them. and i noticed so many people had the same problem as me, so i’m very disappointed in Step Mobile.

Definitely recommend. I’ve been using step for about a month now and it is so convenient as a 13 year old I didn’t have a way to save money unless it was cash then it’s easier to lose and spend but with step I can keep all my money on my card therefore I can save it and I can buy stuff from online and more I used to be bad at saving money but with step it’s so easy and my mom has scheduled for me to get $40 in allowance at the end of each month it automatically appears on my card so I definitely recommend especially to teens and parents and you get three dollars every time you refer to friends I’ve made about 30 dollars so far off of referrals

They disabled my account. They told me that they had disabled my account due to an safety issue. Sounds reasonable right ok now let’s go into detail. Not only did they disable my account but they didn’t even tell me why I tried to buy something and was wondering why my card wasn’t working so I messaged them on the app and they told me that they had disabled my account due to an safety issue but they didn’t tell me what safety issue to be exact and I also barely use my card since I was trying to save money and I can’t withdraw the money from my card considering that it’s disabled and they won’t let me do anything and my guardian can’t even send me any money anymore. I had exactly $500+ dollars saved up in my account and then they had disabled my account so I now don’t have access to my money or my account and I said this to say if you wanna keep your hard earned money don’t download step consider yourself warned.

A new sponsor.. I love the app it’s amazing. But the only problem I am having is my mom not wanting to have a passcode on her phone, and the app requires you to have one if you want to join step. I have a password to get into my phone but it’s my mom who just won’t have a password because she doesn’t want one. So I have to ask my sister to be my new sponsor who is 21. But there is no article that helps you find out how to get a new sponsor. With out a sponsor that means I can’t really use my card witchy is going to on its way . So please tell me how to find a way to get a new sponsor. I do not want to cancel with this banking for teenagers.

Pretty cool but card hasn’t arrived by estimated time. This app is great! I really love it and it does actually help banking lol especially for me lololollol. I love the fact that I was able to somewhat customize it and the fact the app was dark mode-at least on my screen lol- it was a haven! The only issu I’ve had is that it said my card should arrive by June 23rd, but it’s now July 2nd, and I still don’t see it :(. I can still use the digital card for any online shopping but I also want the card itself with me just in case. I don’t know if maybe someone in mu family took it or if it never arrived but still. Other than that, 9/10! Would recommend! :) Im pretty sure this issue doesn’t happen often since my friend got her card already but I dunno. Still a good app though.

Keeps Declining. I’ve been using step for what’s about to be a month and up until 2 days ago I had no problems whatsoever Until I got hungry a few days ago and asked my dad to put a little bit of money into my account so I could go to the store for some reason the money he was trying to transfer kept declining I ignored and said I’ll just by what I can so I go to the store and get my things when i rang up my items at the register boom my payment has been declined Instantly I’m confused and embarrassed so I ask for my card back I leave and think maybe it’s something that’s wrong today I’ll try somewhere else tomorrow and that day was today I go to another store to buy some snacks and the exact same thing happened and I can’t even get into the app because it keeps saying that its having problems loading I need to know if something is happening with my account that is making it to where I cannot buy anything.

Unreasonable account suspension. I have been using step for around two and a half years now, my mother is the one who sponsored the account for me since I did not have a card nor a place to keep and spend my money especially for online purchases. 2 days ago my account was suspended for violating the “tos” and “step card agreement” when I have did nothing to have my step account suspended. They also suspended my mothers account as well. I emailed and chatted with with Mal to see if I could get my account opened again even giving them a full explanation on why they may have thought that I violated one of the rules and all I got sent is multiple links that explains why It may have been suspended. My mom also contacted them she also got send the same links. After multiple attempts of trying to contact them to resolve issues and getting no where I just eventually gave up. The app itself is fine but I just feel like there should be better ways and more options to get help from the customer service team.

Listen I love the app but…. I am 12 almost 13 and I had gotten a notification that my credit card numbers were compromised, when I looked into this notification further I noticed there were five, FIVE purchases on an adult site, reminder I’m almost 13 but when I tried to report this as ‘suspicious activity’ step did absolutely nothing to help. I was so upset that when I told my mother about this she had remembered that she had placed my card down on the counter when we had guests over. When I replaced both of my cards step asked me why, however when I told them my situation my account got another purchase from that same website, and when I tried to contact the merchant I got a phone call from step saying my account has been compromised and I needed to shut down my account but I can not do so until all of my charges are cleared, how may I clear them? I have no idea because there was no option to erase the ‘suspicious’ transactions on my account. Step I’m very disappointed and upset.😭

Good, but some downsides. This app is awesome! I’ve been using it to send my child money when she does her tasks. I love how the app is set up and it is really easy to use. I also love how you can get cash back on some participating locations and teach your kids about credit and good financial skills. The downsides of this is that it takes a few days for the money to go to your kid’s account which means that they can’t spend the money that they got right away. It also takes a while for the physical card to ship to your house. But I do understand that it’s not really the app’s fault, it’s just something that you need to keep in mind. Besides that, totally recommend!

Easy way for teens to manage money. Many banks won’t allow kids younger than 16 to have a checking account with debit card. Two of my kids (13 and 15) have summer jobs taking care of younger kids. They get paid by Venmo. Without a bank account or debit card kids can only receive Venmo payments but cannot pay others with Venmo. Now with Step they can transfer funds to and from Venmo and they can use the virtual Step card for Apple Pay. A Step plastic visa debit card is coming in the mail that kids can use like any other visa debit card. No fees and great customer service make Step one if the most satisfying, practical and innovative financial tools ever.

I recommend but….. Step is a GREAT app it is really cool haw you don’t have to be 18+ to be on this app. You can request and sent money with your mom, dad, or friends. This app is really cool if you want to keep all of your money in one little card instead of having to carry loads of cash. Overall this app is really good but I also feel like there could be some upgrading. If you want some type of card the use in atm’s to deposit money step isn’t the right answer. You can’t deposit money into the step card you can only take money out which kind of sucked when I found that out. It would be really nice if they had that feature. Another thing that I also don’t like is the you can only request and send money from the app. You can’t use it on Facebook pay or apps that have money sending features. It would also be really nice to have that option. But besides those two problems step is a great app.

Easy to use, great to learn. I’ve been using this app since it came out and it has been the best thing that I have ever gotten and invested in. Using it with my parents, several family members, as well as friends, has made it really easy to send money and receive money as well as refer. I love how easy it is to look at all the data and how user-friendly it has been developed. The best part about the app is the credit building function. I can check my credit at any time as well as be confident in knowing that I am building it constantly while spending.

Customer Service. Poor customer service…takes hours to days to respond back to you. We r on day 5 an we are still waiting for someone to help us get into our son’s account sense APPLE emails don’t work with current at the moment to login in so please be aware not to use ur iCloud email because they told me apple is giving them issues there for we have created new emails an they still in their end say they will get back an don’t.can you imagine as this is a teens account they want to spend their own earned money an 5 days later we still can’t get into his account! We never had these issues with current where we should of stayed lack of communication responses alone tell you how the company must be ran 🤷🏼‍♀️

Great Teen App. I love this app like fr I do. The way the savings works makes it very easy to slowly reach my goal and teach me to save my money and spend it slowly. I do have one issue although. I am 15 and unemployed currently and my source of income is a weekly payment from my mom. We had just figured out that there is a pretty big fee just to be putting money into my account. I don’t like this one bit. It makes it very difficult for us to think around this situation and add a bigger amount less times. I love the app over all though so if I could just get some feedback on how else to get around this problem would be appreciated.

Amazing. Honestly I don’t see the issue people are having with the app. If you fill out the proper information everything ends up working out just fine. I’ve had the app and card for about 3 weeks now and it’s worked fine and I have had no issues with it. It’s absolutely amazing and I hope it only gets better. I don’t know if the bad reviews are fake or trolls but I’m sure some of them are but not all. It’s fairly simple to get setup, my mom and I got both our accounts setup within a good 5-10 minutes maybe less. We had no issues since and the app has worked better then expected. I love what the app creator stands for and made this app for its absolutely outstanding 🤩!

In love. Now a days everything is electronically…. Like we use to have pay phones ☎️ but now everyone has cell phone tables …etc so even if we don't want to we have to learn to use it…..I enjoy all apps but this one I love… i can send my kids money and see how they spend it on and make sure that they save with the savings … 2 in one without using bank and being able to take out money at my favorite stores Target and Costco for free is a plus 😉 whoever invented step gets a 5.0 from me bc it really helps getting my kids on board with their education … no good grades no vbucks 😁 or allowance

my step card. My step card is a week late and I told them this more than once and they say it's late bc of Covid and I text them on the step app and they said it would take them a day to reply and it's been 2 days and they still haven't replied and I'm getting very frustrated bc my brother got his card before me and we ordered it at the same time and it don't make any sense. And my friend is also having problems they won't let her spend no money and she has over 150 dollars in the app. I don't not recommend this app. You guys should just use cash app of something.

Terrible app. Rips you off. SCAM!. So I was 15 when I got the app and I am now 16. I had just gotten a job and needed a card to keep my money on. Well my mom decided to get one to. We put $500 on the card and then like two days later it kicked us out of our account and WILL NOT let us back in. I have contacted the step account and they have been no help at all. They just keep saying I agreed to terms and conditions which I did but I read through them THREE times to make sure I didn’t miss anything and I did not violate any of the rules. The money was our money for bills. The people I have contacted about it won’t say anything other than about the terms and conditions and are not helpful what so ever. Do not get this app if your looking to put more and just like an allowance or something small bc so many people have had this problem. It won’t even let me back into my step account. This is absolutely ridiculous and I will get my money back one way or any other this is not ok for them to just not help us and take our money.

Great app until you have an issue, then they refuse to acknowledge or fix it.. My family has been using this for my two teens for several months and it has been great until now. I had two debit cards added to my account to transfer money to my kids. One expired and I tried to put the new card in but the expiration date is 2027 and their program doesn’t accept it. It has been a week of going back and forth with them. I have called my bank twice because they keep saying it’s a problem with my bank/card but the bank says it’s not. My other debit card in the account is from the same bank and the one I am trying to add is able to be added to Apple Pay and Venmo. Today they asked me to check the time and date settings on my iPhone because the expiration date is the problem. It doesn’t take a rocket scientist to see that this makes no sense and at this point I am so frustrated with the incompetence that I am looking for other alternatives. Enjoy the app until you have an expiration date on your card that is not within their programming.

Unbelievable!. Okay so I’ve been banking with step for a little over a year until about almost a month ago I got contacted by them through the chat in the app and told me that they had to limit my account and I said what for? They told me something I forgot what it was but it was so ridiculous! I tried to send them everything I had! But unfortunately they kept telling me the same thing over and over again so I closed my account until then I AM NOT BANKING WITH STEP THE WORST APP! but if something changes here maybe some ratings and a nice message will change also :) thank you.

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Love the App!. I just barely got it today and my mom set up my account but I really love how quick, easy, and how convenient it is to set up a card and instantly have a Digital card ready to go in minutes! I highly recommend and I am sharing with all my friends! I love how it doesn’t come at any extra cost or hidden fees like some of these other apps and it really does well on the end of notifying parents or guardians on purchases and has great ways to smartly invest your money!

Horrible customer service. Since they don’t have a phone number, everything is communicated through chat. I’ve had multiple problems with my direct deposit and never once had this even be close to getting solved. Currently my direct deposit was supposed to be here two days ago so I contact support. The guy doesn’t even chat with me just tells me a ‘specialist’ will get back to me in 1-3 business days. My employer had approved payroll so this is in fact a problem on their end but provide absolutely no help. If you are prone to problems with banks or god forbid you are hacked, this is the absolute worst bank to have. They need to get a phone number or at least be able to handle problems sooner than 1-3 business days

Amazing card and great service. I’ve been using step for about a month now, and I’ve never had a problem! The sign up process was very simple and the physical card shipped almost instantly, and arrived only about a week later. Setting up a parent sponsor was no trouble, and neither was linking my debit card. I’ve only had to contact support once regarding a question I had and the response was within the hour. Overall, I definitely recommend this card for anyone interested in building credit, or just a nice card with great support and no fees!

Step in the direction of getting kids expenses right!. 🤷‍♀️ I don’t know if its just me but I’m have the hardest time getting my 11 and 12yr old to understand every dime you get you have to earn it you don’t just get paid or have money to just be having it . It may work like that in some kids life ! News flash keith jr and kayleb L. A-M it doesn’t work like that your going to know what it is to make it stake it and pay your bills on time and then make time for fun it one day will pay off! And then you can thank me when you become an adult!

Help. This app is honestly very great for teens but there are some problems with this app especially though help contact/support I made an account a while ago and I was trying to log back into the account although I didn’t have access to the email i used to make the account so I tried contacting the support and they didn’t help… Like at all they asked me the same stupid questions And I thought about making a new account but I can’t because “an account with the same phone number is already used “which is my old one that I can’t log into whatever could someone help

Scam. This is a joke of a whatever it is bank/ fake credit card at first I couldn’t find it kept saying I couldn’t at this time contact support finally prices the cards I was funding with were mine for “my safety”😂so now I can’t spend my money every time I use the card I get declined for transaction failure there’s no phone support I imagine cause they know there terrible and don’t want to have to deal with it first hand so you have to message them in app and hope for a respond well for 2 days I’ve been hearing we’lol escalate this to whatever team handles it probably no one cause whoever it was is suppose to be in touch but I still can’t use my card and I’m using my real bank card which I put all my money in this to try out so now I’m over drafting my bank because of this do not waste your time or money

Step Card. I downloaded the app and so far it looks pretty easy-to-use and efficient. I was able to deposit and transfer money instantly. I just tried out the step card and like expected worked great! I was confused at first why the app didn’t ask for my social security number, but it was brought to my attention by a step member that they only ask if for those over 18 years old. So far, I’m glad to be a part of the Step community and I definitely recommend it!! Will update as I continue to use it. I can’t wait for my card to arrive in the mail soon!! 💗

Wasted of time trying to get money back. This is ridiculous out of control how can I not disrupt transactions I didn’t make it while my card is my possession and lock as soon as it was loaded allowed to let a merchant take money in a whole different country and been three days yet no team member has replied no live chat no phone number to reach anyone. Online contact us states 20 minutes to reply yet to receive one. Only option is asking another person to help pay back money for something you didn’t authorized. wow cant even disrupt transactions or get a refund they don’t refund your money. Please don’t waste the time to doing so. Top off card was locked both physical and virtual card order new ones told take a month to receive it geeesh such bad customer service

Amazing. Step is AMAZING I’ve been looking for a cash app type thing or PayPal but I’ve always been to young and couldn’t put my ssn in . But I saw charli D’amilio use it and I was like omg it’s real not a scam . I love it so much all you have to do is press 2 buttons to confirm your request or send . And I also followed them on Instagram and did this giveaway and earned 20 DOLLARS !! I was and am so happy because now I can buy stuff online instead of using a Visa card that cost money to put money on . THANK YOU SO MUCH STEP !!!

It’s a good app. I really do like this app, it’s really easy to use and even though I’m still waiting for my card, (have in mind the expected date of its arrival isn’t for a couple more days so I’m not complaining-) I’m able to make online purchases with my virtual card very easily. Although I was experiencing a little trouble earlier it was all cleared up within a few hours. I guess if you’re step app is taking a bit long to load or you can’t get past a stage in logging in you should just be a bit patient, there are a bunch of people using this app after all.

Card never showed up. My friend got her card and was having a blast being able to use it and buy things on her own terms so I decided to get one however it’s been 5 weeks since I’ve ordered the card and Another 2 weeks since I’ve re-placed it because it didn’t show up the first time I thought it was because of the address so I asked my mom to double check and my address is correct so there should be no reason why my card hasn’t shown up I don’t want to keep replacing the card and have to wait another week or so for it to be shipped this is getting annoying and honestly I don’t even think I want to even try to use the app anymore

100% Recommend. I have been using Step for about 2 months, and there has not been any fees. My Mom and Dad can send me money with a click of a button, it is so nice 10/10 would definitely recommend to anyone. Another thing is that I have making money with referrals, all my friends did was, make an account, and then we both got $3! There are many ways to make money with this app FOR FREE! Also if you join the Step Squad you can even get $6 per-referrals, which is a lot for FREE!

Do not recommend. I definitely wouldn’t recommend it. Everyone has their own opinion, but for me it’s a no. My daughter and I had an account from them for a while and our accounts were suspended because I used my moms card to transfer money to send to my son her grandson for food with her permission of course. They did not give me an explanation or anything. We had to find it out on our own what happened. It really troubles me about some of these so called banking companies. No live customer service representatives. And half the time you don’t know what the bots are even talking about. If I could leave no stars for review I would. I don’t even know when my moms money will even be put back on her card. 😒

All neat and all.. I’m been using my mother bank to accept my direct deposit and when I heard of step from an ad and was excited about my finding. Soo i then start using it and it was great! But when it come to setting up my direct deposit it didn’t work. So I thought maybe I put the wrong info in so I went and check and it was right. So next pay period I thought maybe it would work this time but it didn’t. I contacted step support and all they could say was that I might have put the info in wrong but that wasn’t the case. So I now receive my direct deposit by checks so I don’t why but maybe it don’t work at all.

I can’t cancel it. I rated it a low rating cause I can’t cancel it and when I got to the website I it won’t help it doesn’t have a contact number I don’t know if you think you’re so special that you think you have no flaws but you have a couple how are you going to tell me I have my ssn wrong and they said if I made an account I would get 5 in my account as soon as I made it I didn’t! And then I didn’t want the card no more (not cause of the 5 bucks) I tried to go to setting on step to cancel it or at least find a button where I could cancel it but I didn’t! So I tried to go on its website! Yet it still didn’t have it! I went to google and then they didn’t help! I want to cancel my card! I don’t need it anymore! Someone help me!

Unreliable Support. They were fine at first when I wasn’t really bringing in funds but once I started working and really bringing in money, their support became awful. They are still holding my check even after saying they would return it to my employer. After multiple times of trying to get in contact with their support I would just get auto bot responses. I’m starting to think they scammed me and stole my check. I can’t even message within the app and have resulted to having to send emails to them. This wouldn’t be much of a problem had it only been a couple days but they’ve been holding my check for over a month. Maybe if there’s some change in their support system and they add a phone number we can call for human customer service I would be able to get this fixed up.

Situation poorly handle. I’ve been using Step for about 4 to 6 months and I never thought I would have a problem with them until one day. I couldn’t get back into my account and it eventually said that my account was in active. I had email them to find out why my account was in active, they repeatedly sent me the same thing. Yet never gave me a direct reason why. Keep in mind when I had first started this account I was 17. I have recently turned 18 and none of the credit I supposedly “built” with them is there. They had also told me that I couldn’t get my account back open and I couldn’t start a new one. I hope my experience helps any of you make a decision before downloading the app and begin banking with step.

My money is being stolen. The last few weeks I have been realizing it’s saying I don’t have enough money in my Step account, and that my purchase was not excepted when I did not even try to buy anything I was very confused so when my aunt gave me him next paycheck it paid the money. I thought it would stop there but no first it was 14 dollars and now it’s saying I’m trying to purchase something that is 7.84 dollars step please fix this I’m very unhappy about this and I have seen this happen to my friend everybody who see’s this just know after like 2 months your money will be stolen please fix this step Creaters we are all unhappy with this.

AMAZING SUPPORT. My daughter and I recently had trouble with depositing money into her account! We were out of options and decided to contact Step. I sent an email and got a reply very soon! She was very nice and gave us tons of information and we even figured out why some of our payments were getting declined. Step even followed up with us the next day as well, this customer service has to be the best I have EVER experienced! Thank you Step!

Recommended for Every Parent & All Teens. Got this in the hands of my nieces/ nephews ASAP. There is no better way to teach financial responsibility than to have them experience it first hand through mobile banking and a physical card accepted everywhere. Step puts them in control, and with that independence comes a better understanding of money management. The future is cashless and it’s incredible to have a bank that does this for our younger generation. I would recommend this to every parent and teen. Sign up for Step now!

5 Stars. So far, I’ve had an excellent experience using Step! I like that I can use my card at ATM’s. I really love that they report to the credit agencies to help raise my credit, and show me my credit score. And I love how transferring funds is really quick and simple! No hassles or holds! I also like the kids account option they offer and it comes with their own card. You can make a weekly allowance for them and have it automatically taken out of your account too! It’s great! I have no complaints so far and I’ve been a customer for about 5 months or so now.

Great card highly recommended. I am 17 ( 16 when i got the card ) i saw it off an ad on Snapchat and got curious I filled it out and then asked my mom to put in her info and in about a week and a half I received my step card...no monthlys or maintenance fee’s amdif a fee does occur they will reimburse you. This is also a credit card but it functions like a debit which allows you to spend only what you have on your card and helps build credit i love my card a lot and wish to help more ppl download the app also this isnt a fake review 100% real 😁

I need help with activating my account. My account somehow doesn’t activate because it says that my Apple ID can’t be used to make account or for just to open one I don’t know what to do and I need help I am 13 and I need my credit score up because I don’t want any financial things to corrupt and my credit score to go down and I don’t want to ask apple for then they will charge me maybe If a live agent can help me because I don’t know what to do and I don’t want to go through a mental breakdown because of stress.

Step honest review. Step is actually a really good app it may seem skeptical but it’s good it literally just banking but for teen and you don’t even have to be a teen to use it if your a minor or a parent with a child and you’d like to show them the basics of banking I’d recommend step and you can see what they buy as long as your their sponsor it’s really easy to signup and the card doesn’t take that long to get your card so it’s a 10/10 app ✨Mercy✨

I was double charged for something I didn’t buy. I was double charged $25 to my account and I’m trying to get it back. The step is making it very difficult to pay back or to help their customers. I’m starting to slowly not recommend this app and I will post proof on the Internet if I don’t get one dispute handled I don’t know how many times I can explain to a robot that this is a purchase I did not make, and I want my money back. The fact that there are no humans people can call and relate to as a problem in itself god honestly it’s probably best not to get this app because if you have money coming out in his unauthorized, you might not get it back they don’t help their customers at all

Safe and easy to use!. Love this app! Been using Step to gift money to my 14-year old goddaughter. Usually I give her cash, but this is SO much safer — she can use Apple Pay and tap to pay instead. She has her very own pink step card that has her name on it. The best part is that there are no monthly or overdraft fees, so there’s no way for her to overspend. I’m very pleased and happy with their friendly support via chat right from the app! They addressed and resolved my issue thoroughly and timely. Thanks Step!

Stole my money!!. I usually don’t write reviews but I feel like people need to know. I have had this app for awhile. I was getting direct deposit from my job and they were fine everything was going great! Until I got a big amount and they locked my account saying it’s “safety review” which is utter nonsense. I am not able to get my money out of my account. I have tried email I have tried talking to mal I have got no where they keep saying look at my email I have not received anything I am going to take legal actions due to them stealing my money I can’t even close my account I have tried it says I have reached my limit. Please don’t get this app if you would like to keep you money

Can’t create an account.. I’ve been seeing a lot of ads about step for a while now and finally decided to download it. I opened the app, put in my phone number and I was told that I already had an account open even though I’ve never even had step before. Then when I clicked login- incase i made an account a long time ago and just forgot, A confirmation was sent to an email, I don’t recognize, let alone have access to. I just figured maybe whoever had my phone number before had a step account and that’s where the confusion was coming from, so i clicked “having trouble” and all i got was a pop up saying “something went wrong”.

Strongly Recommend. Step has helped me build credit before I even turned 18. They make it to where you can’t overdraft unlike a traditional credit card and there aren’t even any fees. I also highly recommend the Step Black Card because it gives you cash back on every purchase and 5% interest on your savings. Although there is an annual fee for the Black Card, I still recommend it because the benefits far outweigh the fee.

okay i havw never tried it. OK so I have never tried it because you have to have a phone number. And basically if you have an iPad or an iPod you don’t have a phone number at least that I don’t know of. So I couldn’t download step step and I really wanted this credit card because my parents were willing to get it but I couldn’t because you have to have a phone number And I only have an email so if they’re gonna be any way to fix this please do thank you!

I love step. Honestly i was so scared to ask my parents for this card. But once I did it was so easy. I love this card so much. It helps me learn about cards before i’m 18. I was a bit scared about my credit score but then saw it can only positively affect your credit score which made me feel happier. the only thing i would like to add is deposits in ATMs would be so helpful. My parents don’t add anything to my step card. It is all my money but i would love to be able to add the cash i have into my card without going to the trouble of my parents having to do it. I also have one question. if you join the app under 18 but are about to turn 18 what happens?

Why I hate step. If I could give a zero stars I would but I have use step since 2021 until I was told I could send money out or spend my money due to a limit. I had read the policy on the limit it said it resets every 30 days unfortunately it’s been 2 years and my money is still locked on my account and I can’t get it off or withdraw it bc it’s saying I’ve reached a limit long story short I want my money off this app or I will be going to court to sue that you’re a scam and take money and lie about a limit after 2 years and for further more you don’t even have a number to communicate with people I am tired of talking to bots and I don’t want the response of saying aww looks like you reached our limit bc it’s been 2 years and my money is still locked

Read this review. I think step is great I’m 15 and wanted to started building my credit history and everything before I’m 18 so I would kinda get a jump start so that I could get good loans and everything when it comes time what I also like is how they have a question thing in there app so if you have any questions about credit scores or anything they can answer and I have yet to ask something they don’t have a section over and it’s really easy to navigate through the app and ps I wish I was paid to say this

LOVE THE APP. Ok so I been with step since 2021 of April and I haven’t had any issues until lately my mom stop sending me money on step and I told all my friends to join so that way I get $10 but they all said their parents said no or that they with a another teen banking like gohenery or greenlight and in step sometimes I wish we didn’t need a debit card or a bank to send money to our step account like I wish we can just press the add money and we can add any liner of money we want but if anyone wants to help me out my step user is $angelinaochoa10

Account closed unfairly. I tried setting up my account and accidentally sent through two transactions instead of one out of confusion which was not an amount I had in my bank account and instead of letting me verify it or clarify anything my account was just closed without explanation. I can no longer make an account as I only have one phone number obviously so I’m confused as to what to do now. Your interface is confusing and extremely strict, if this is supposed to be for kids or people having a bank account for the first time I feel like it should be a little more lenient with accidents or at least have steps to clarify what happened so that any necessary verification could be handled instead of just closing the account automatically.

Parent must have for teenagers!!!. I have 3 daughters and only 1 is old enough for bank account and regular debit card. So I signed my others up for Step and it’s amazing! No running to the atm when they want something or go with friends- just instant transfer to their step card. I can keep track of what they buy and teach them how to budget and manage their money. No fees like a reloadable or prepaid card- Step has made my life so much easier ❤️ I recommend to any parent!

It’s perfect. So I’m 14 and my mom use to have to wait to give me my allowance cause of cash and she couldn’t always get to an atm and this app is perfect I can use the money more easy and it helps me not spend everything I get in one day parents you Control your sons/daughters card you put money in it no one else can unless she has someone else in it to but it has to be a parent she can not get or use the card with out parental permission. I love the app it makes shopping so much easier.

Awful Support. I am waiting for my Step card for more than 2 weeks. It said it will arrive oct 29. Today is the 9th of November. I contacted Jeffery about this. I tried contacting you guys but you guys never answer your emails. I’ve already sent you 2 emails that you didn’t even read. You guys don’t reply fast enough. In trying to find where my card is. You guys are not giving me the correct information on where it is and when it’s going to be here. I’ve put in my correct address and everything and it’s still not here. It shouldn’t be this late. 😠😒

Free banking. BROOOO u gotta get step 😭 I started my first job and everything has been so smooth. I got my card today and it’s literally so cute lol it even has my signature on the back. I love step, if I could give this app a million stars I would! ❤️❤️the only issue I had was, I didn’t receive my card the first time probably, because I didn’t have money on my account but once I had a lil money on my account. I ordered another card and it came within a few days

Simple and enjoyable. Step is great. The app is incredibly clean and simple. The entire process from signing up to ordering a card to linking accounts is super intuitive. I had no trouble getting my card and integrating it with my accounts. It offers a lot of great features. It’s a credit card with the functionality of a debit card, so it’s literally the best of both worlds. I love it, and can’t wait to get my friends and family to sign up :)

100% recommend🦋🦋. I think step is an amazing way for me to pay for my own things and be responsible with my money. It’s simple and it’s always super easy for my parents to add money to my account! There is only one slight problem, once in while it doesn’t let me go into the app and it just says try again. Then I have to re-download the app the sign in again, but my money is always safe and secure when this happens. This is just a slight inconvenience. Overall 100% recommend! ❤️❤️

5🌟Have Suggestions. I think Step is an amazing app. I have been using it for a while now and I believe that there are many other platforms that offer similar benefits and features. However, there is definitely room for improvement, despite the fact that it is already one of the top 5 apps. I was wondering if it would be possible to add an automatic savings feature that takes a certain amount from my direct deposit and puts it into a savings goal automatically. This would be really helpful.

It’s awesome but there’s 2 things that would be a good change. I love step so much and it’s so easy to use! one thing though is that it takes 2-3 days for my money to come in from my dad. Also, today i was at the store and the first time i attempted to pay for my things, my card was declined. i was so embarrassed because i knew i had $60 in my account, but i had to insert my card again for it to work. i don’t know if it’s because of a glitch, but anyway, i still think it’s a great app:)

This app and bank is great but…. I love the step app, it’s cool how you can invest in stocks and crypto and how that have built in rewards. I have had it for about a year now and haven’t had any issues. The credit and Apple Pay are both easy to use with tap to pay. There is one issue that I hope is fixed, when you open the app I would like for it to ask you to login or use Face ID, it only uses Face ID when making a transfer or adding money to savings tab. It would be great and more secure if we could be asked for Face ID when we first opened the app.

Just some trouble. Hi so don’t get me wrong I love this app I’ve been using it since last year but there has been some problems I’ve had to order three cards because somebody keeps getting a hold of my card number and I rarely use Step today I had a charge and I haven’t use my card in like two months and I have tried contacting step but they always tell me I have to contact the place where it was transferred to and I have given up with this credit card I am switching to cash app because this is driving me nuts I can’t get my money back but I love this app it was really good and I loved it a lot but it has just been causing a lot of problems for me

Unacceptable. So i just started working right and i have previously owned the step card because i saw a video of it and taught it would be cool to have a card to buy things and save up, im 19 and my job needed my info for my direct deposit and it has been more than 3 days i havent recieved my direct deposit, they keep asking me for the trace id but i dont know it neither does my boss and im frustrated because it was my paycheck and i worked hard for that money and not seeing not even a cent of it, ive requested help to step but they seem to not see the problem this deserves 0 stars i want my money back honestly i dont this to be a scam but if it i will make sure i get MY money back

Harassment. Ive been using it for a while. For 3 months now they have been locking my account going on the 30th of every month. On top of that they don’t answer their email. I’ve been attempting to get in contact with them for 6 days now. My account is still locked and nobody has even told me why. I can’t access my money I can’t pay my bills I’m stuck. I can’t contact them off the app because “my actions are limited” which makes no sense. I don’t see why I wouldn’t be able to communicate through the app anymore. I can’t even close my account! Over all save your time and just go to chime. I’ve been banking with chime for years and never once had a problem.

Closing my account. This is stupid. I’ve had a step account for about 2 years. I normally don’t use the card because I have other banks that I use but I keep this account open because it’s a card with a higher withdrawal limit and it also build credit. I recently had gotten my income tax refund and a financial aid refund for school in which I needed to pull out in cash so that I can purchase a cash car I seen on Facebook. After reaching my daily limit I waited u till the next day to transfer the rest of my money to withdraw but then to my surprise they closed my account and said I violated policies. I’m trying to figure out what policy I violated. Now my credit score will drop because this is my oldest credit account. Terrible, there’s not even a number to call that I could find

Awesome!!. Honestly, at first I was scared to ask my parents about this but I am so glad I did! The app works great and I can easily transfer and get money! It’s truly 100% percent legit and there are no fees! As a teen I love that I can be independent with my own money and also that I build positive credit every time I buy something! the card shipping was so fast, it arrived in like a week! There’s so many things to love, like the fact you can make money by referring friends and joining the step squad! I 100% percent recommend this to everyone! My step user: $arawli45 #teamblue 💙

Best card ever. This is the best prepaid card I’ve ever used, the others I used cost too much to upload money and you have to go in stores to upload money and they charge you to upload your money to the card and the card charges you so many charges monthly charges,charges you to put money on their cards, STEP is the best so easy to use no charges to upload money no monthly charges best card I’ve ever tried and I’ve tried over 50 cards 💳 thank you STEP I recommend this card to anyone easy and headache free thank you 😊