Step: Bank & Build Credit 25.4.0

Step stands as a reliable banking application dedicated to enhancing credit management, bolstering savings, and offering incentives. The Step Black option allows users to earn a commendable 8% cashback alongside establishing a positive credit history through the Step Visa Card, all while mitigating potential overspending risks. Availing Step unlocks an opportunity to secure a 5.00% return on FDIC-insured savings and reap $500 in yearly benefits, facilitating enhanced financial maneuverability. With a widespread user base exceeding 5 million individuals, Step remains a cornerstone for those striving to fortify their credit standing in a responsible manner.

• Build Credit: Step sets a foundation for credit growth by enabling safe credit accrual with each transaction, complemented by real-time credit score monitoring integrated within the app. Testimonials reveal an average annual credit score upsurge of 57 points among Step's clientele in their 20s.
• Earn up to 8% Cashback: The Step Card, usable at Visa-accepted outlets globally whether online or in-person, offers an attractive cashback scheme of up to 8% on qualifying purchases.
• Earn 5.00% on your Savings: Through the creation of Savings Goals and automatic Round Ups for spare change allocation, users can secure a competitive 5.00% yield on their savings corpus.
• Get Paid Early: Enjoy expedited access to funds through direct deposit, gaining the prospect of receiving payments up to 2 days earlier. Additionally, enter periodic sweepstakes inclusive of rewards such as cash prizes, laptops, and shopping vouchers for direct deposits exceeding $150.
• Move Money: Facilitate seamless fund transfers at your fingertips - whether instantly sending or receiving funds, depositing cash at over 70,000 retail locations nationwide, or utilizing an expansive network of fee-free ATMs exceeding 30,000 ATMs.
• Invest with as little as $1: Empower your investment journey by engaging in stock trading, ETFs, and bitcoin transactions from as little as $1. Leveraging Round Ups allows for prudent investment leveraging spare change accumulation.

¹Step operates as a financial services platform with banking amenities provided by Evolve Bank and Trust alongside issuance of the Step Visa card, under FDIC regulation.

²Extent of Visa's Zero Liability policy may not encompass all commercial card transactions or those anonymized prepaid card deals not processed by Visa. Cardholders are advised to exercise caution in safeguarding their cards and promptly report unauthorized usage to the issuing financial institution.

³Charges associated with out-of-network ATM withdrawals may be applicable.

⁴Occurrence of early access to direct deposit funds hinges on the payment file submission timeline from the payer. Typically, these funds are disbursed upon payment file reception, possibly offering an early release up to 2 days before the scheduled payment due date.