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Last Updated: 01/21/2026

Step Account

from Step Mobile Inc

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users are unsure

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Highlights

Welcome Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$0(Verified 01/21/2026)

Step Account Review

The Step Account is offered by Step Mobile Inc, founded in and based in Palo Alto, CA. Step Account is available in 50 states and Washington, DC.

Key Takeaways

No minimum initial deposit. There is no minimum balance required to open an account online.

Step Account Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
No charge on incoming domestic or international wire transfers.

No signup bonus.
Does not earn interest.
Does not offer mobile check deposits.
Does not provide access to a nationwide ATM network.
Does not come with a debit card
Not FDIC-insured.

Step Account FAQ

Are checking accounts from Step Mobile Inc federally insured?

No, your Step Mobile Inc checking accounts are not insured by a federal insurance agency. This means that if Step Mobile Inc were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What APY does Step Account offer?

Step Account is not an interest-bearing account.

What are the account minimums for Step Account?

Step Account does not require a minimum initial deposit.

Step Account Minimums

Description

Minimum Opening Deposit

What fees does Step Account charge?

This account charges a monthly maintenance fee each statement cycle of $0.

Step Account Fees

Description

Monthly Service Fee

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $0

Overdraft Item Fee

Starting at $0

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $0

Card Replacement Fee (Standard Delivery)

Starting at $0

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $0

Foreign Transaction Fee (Debit Card)

Starting at 0%

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $0

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does Step Account charge overdraft fees?

No, Step Account does not charge overdraft fees.

What features and perks does Step Account offer?

This account includes the following features:

What is the customer support email for Step Account?

The customer support email for Step Account is hello@step.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Step Account

You can spend securely and confidently in-store or online with your Step Visa Card. Add money to your account and start spending anywhere Visa is accepted. And best of all, it has no fees. Step is a mobile banking app built for teens and young adults who are just starting their financial journey. The Step Card lets you spend without the worry of ever overdrafting or overspending. You get the security and peace of mind to only spend what you have deposited in your Step account. In addition, you get the credit building benefits of a traditional credit card without the concerns of ever paying unnecessary interest.

Contact

Headquarters

120 Hawthorne Ave

Palo Alto, CA 94301

Visit Site

Email Support

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Step Account Community Reviews

Would you recommend Step Account to your friends?

Abry H.

Oct 3, 2022

May or may not recommend

Step is primarily for teens that are starting out with their first account/debit card. There are no fees or required deposits, and the cardholder is only able to spend up to the amount that has already been deposited in the card account. This way there is no chance of the cardholder over-drafting their account. The account is monitored by the teen and also by the parents by using an app. ...Show More

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