Step: Bank & Build Credit Reviews

by Bitchidontlikeyou

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 Step 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 this app consider yourself warned.

by 63grhd

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 this app-by-this app 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 this app 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 this app 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??

by Jed7613

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

by Shdjfidbdiskfbdiekd

When I first started using Step 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 Step 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 Step. Please save yourself from the countless headaches. I hope I’m finally able to have my limitations lifted. They deserve zero stars.

by Jessica Littrell 2121

So I was 15 when I got Step 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 this app 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 Step 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 this app 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.

by Wolfy_chick09

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’ this app 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 this app 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 this app 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. this app I’m very disappointed and upset.😭

by Kyia112

I’ve been using this app 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 this app 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 Step 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!

by Appleoly

Hello this app! Recently I started to use Step 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.

by SashasoLovely24

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!

by Cosyenough_4

this app is a GREAT app it is really cool haw you don’t have to be 18+ to be on Step. You can request and sent money with your mom, dad, or friends. Step 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 Step 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 this app isn’t the right answer. You can’t deposit money into the this app 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 Step . 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 this app is a great app.

by AlmightyDC

I’ve been using this app 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 Step 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.

by Ace Of Spadss

Step 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 Step 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.

by Kdhrhbdksi

I’ve been using this app 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 this app 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 this app 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

by Myiah901

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 👍🏽.

by BryceJP

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.

by Cloudytings

Ok Step is AMAZING!!! I’m 14 and me and my friends find Step 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 this app!!!! this app 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 this app your going to need parent approval and you parent has to get Step also they they know what you spend your money on and who sends you money and also what money you send!! Overall Step is the best! Cash app and Venmo all have fees when this app doesn’t!!! I hope this review helped because honestly from my experience you should 100% GET Step!!!!!!

by Blsvon

Hey , my name is Javon I recently sighed up for this app I think about 2 months ago I really like Step 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.

by ItsssJay

Honestly I don’t see the issue people are having with Step . If you fill out the proper information everything ends up working out just fine. I’ve had Step 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 Step has worked better then expected. I love what Step creator stands for and made Step for its absolutely outstanding 🤩!

by Det234456

The this app 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 this app 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 this app 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 this app or use direct deposit! Guys, if you’re thinking about whether you should make a this app account, do it, do it, do it!!!

by DBaker122

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. Step/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 this app 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. this app also refunds some ATM fees. Thanks this app!

by Gabebeach02

Step will work for extremely basic needs as of may. No deposits yet and you can’t even change your profile picture from one of those silly cartoons 😂😭 but they’re promising me everything will be coming very soon and when that happens I will change the 4 stars to a 5 :]

by Jackson O D.

This is the next this app in money management for younger adults and teenagers. I wish I could of had this when I was that age to help the spending and have a better idea of money. This is an amazing app and I recommend this to any parent that has teenaged children.

by Cjmacdonald

Been using this app now for a couple months. Card looks great and loving Step so far. My favorite feature is sending and receiving money instantly. Highly recommend!

by EJ😂😊

I was having trouble with something on Step and I got a response right away and they even sent me rewards for being patient. this app is awesome, I will be using it very often since I am not old enough for cashapp. this app is awesome for teens like me!😊😊😊😊😊✅✅✅✅✅

by 1616cm1616

Love this idea. Can’t wait to roll it out to my kids and help teach them smart saving. So far my experience was great, super slick design, really easy to sign up, safe and reliable and fun to share with friends for money!!

by .M.<3

I am so excited I FINALLY got my card. It’s worth the wait for sure. I can’t wait until they have referrals again to make money. I would totally recommend this to my friends even the chat people are so nice and helpful.

by Ghilla1981

My family and I have been using this app and it’s awesome. I can send my kids money instantly and they love using Apple Pay. Their customer support is also great at helping me when I need it. Shout out to Lucas. Def recommend Step. The. Best.

by Zane Manun

As a parent I always wondered how I would deal with money once my kido is old enough to carry some. I really didn’t want to deal with cash. this app gave me peace. Yay! My girl now carries a card that works everywhere. And it’s free! No fees or anything. Quite surprising to be honest. So not only it’s safe, I also can give her extra whenever she needs or requests wherever she is, school or a field trip. The customer support was very cool taking me off the waitlist. Highly recommend!!! Love you guys!! ❤️

by Emil MH

Ever since I got my daughter the this app card our relationship has been that much better. She’s now driving and it’s provided her with the independence she craves with the oversight I need. Love it and planning on getting it for our son when he turns 13.

by Freya Douglas

Signing up and getting approved for my own this app card was crazy fast and easy, plus I was able to start using Apple Pay immediately! Love the ability to send money to other this app users, now I just gotta get more of my friends to signup, hehehe... 😁 love that there’s no fees too 😻

by Jcline2010

Love Step. Solved the teenage cash burn mystery and instantly made tracking our son’s spending possible. Transferring money monthly to his account (iPhone) is immediate and simple. Plus, having a “balance” in an account that he’s responsible for is a lot different than running around with some random amount of Dad’s cash. No excuses! Only choices. Priceless.

by Luckiest Grandma

I love Step for awarding my grandchildren with allowance money.
App is safe and easy to use for teaching my grandchildren about value of money management. Through this app app, they can quickly tract their balances and spending.
Best of all, I don’t have to worry about little ones crying during shopping because their cash fell out of pocket and is lost.
I wholeheartedly recommend this app App!

by Ali Krebs

I’m so excited about this app for my teenagers. Learning to manage and be responsible with money is not something that gets enough attention in school. I love that they can use their this app cards and Apple Pay instead of having to carry (and lose) cash. Also appreciate that it’s free, that I can easily check their balances, and that can see where they're spending money!

Thanks for an awesome App.

by A.M.4

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. this app 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 this app now!

by Kcorben

That feeling of middle school and high school not preparing you for the real world is something that this app is solving (among other things) with regard to adolescent financial acumen. Big fan of this!