Step (step.com) has a 4.2 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 79% of reviews are 4 stars or higher and 18% are 1 star; The business has replied to 94% of negative reviews; 32 of them were added in the last 12 months. Last updated 2026-08-11.
I truly appreciate the help the the STEP service team provided. I truly love the ease of sending money to my children
Thanks so much for your review Ayishah! We're glad to see our support team was able to assist you. Thanks again for being a part of Step 💙💗💛
They're helping my credit score go up AND give a score l decided m secured card to use so you don't have to add a PIN number!!
Hi Jeremy! Thank you for the 5-star review! We're so glad to hear we were able to help you build credit. We appreciate your feedback and thanks again for being a part Step 💙💗💛
They were super helpful respectful and easy to talk and understand.
Hi Mark! We're so glad to see our support team was able to help. Thanks so much for your 5-star review! We appreciate you being a part of Step 💙💗💛
Great for being able to add money to the card from another bank, seemingly unlimited deposits but when you withdraw from Step to another bank, withdrawal amounts are very limited. Advertises early direct deposit, but I have yet to have my funds available early from a government pay direct deposit. Step has no customer service telephone, if you need to contact them your only options are through chat in the app or an email. Every question asked is answered by a generic canned response. Customer service is non existent. If you want a prepaid account I would go with Chime or someone, avoid Step.
Hi Clayton, Thank you for the feedback. We’d really appreciate the opportunity to discuss your account limits and early direct deposit with you. Our customer support team is available from 6 AM to 7 PM (PT) Monday to Friday, and 6 AM to 6 PM (PT) on weekends and holidays. Please feel free to message us through the app or email [email protected] so we can assist you directly 💙💗💛
Mia helped me and she’s very sweet and helpful
Thanks so much for your review Ben! We're glad to see Mia was able to assist you. Thanks again for being a part of Step 💙💗💛
I wanted to open a great account for my 15 year old, son. I did some research and decided on Step. I filled out all of the information, verification, verification, etc and then funded the account. The next day I received a vague message about not following the terms of the policyholder agreement and that an investigation had been opened. Now, they are holding my deposit. I have no access to it. And my son does not have his account. I do not have the money I wired in to open his account. Effectively, unless the money is returned - STEP has STOLEN my deposit! I’m a small business owner in Northern NJ. I’ve held security clearances for the federal government. I have never been arrested. I have no idea what is going on, and STEP won’t provide me any specific information. What would you call this situation if not “theft of money”? About 2-3 weeks have passed since I gave STEP my money. DON’T USE STEP!!!
Hi there! It sounds like your account has been limited as part of our safety review. Please be sure to check your email for a message from our Step Safety Team, and forward any questions to [email protected] for review.
I’ve had an awful experience trying to close my Step account. The process requires you to zero out your balance first, but the daily withdrawal limit is under $1,000, which makes it nearly impossible to access your own money if you have a larger balance. I have urgent expenses that I can’t pay because my funds are locked, and support is taking there sweet time even responding to my concerns. If this issue isn’t resolved quickly, I will have no choice but to escalate to the proper regulators.
Hi Tanny, Our team would be happy to review your account and your current limits for an increase! Please continue to messages us through the app or email [email protected] 💙💗💛
Just recently Step began charging FEES for transferring money from a Debit account. What used to work so seamlessly for my family with two active teenagers has now been brought to a halt. Transfers directly from your bank are free but the time it takes to process (5 days) is ridiculous and just doesn't work for us. I will not "pay the man" to use your service. Sorry Step, your added fees have lost you 4 customers.
Hi Lisa! We appreciate you sharing this with us. We'd love the chance to connect with you and discuss our options for funding accounts. We also want to clarify that transfers from bank accounts can take 1-3 business days. If you are open to discussing other options as well, please message us through the app or email us at [email protected] so we can assist you directly. We'll also make sure your feedback is shared with our team 💙💗💛
I’ve had this card for over 4 years now, and it’s been not but helpful. Got the step card back in 2021 it has helped me to raise my credit score drastically without any issue or consequences. I highly recommend this card for young preteens or teens+.
Hi there! We really appreciate your feedback on this and are so elated to see that you've been able to build credit with Step. Thanks so much for your recommendation and for being a part of Step 💙💗💛
Been helping me build my credit for 2 years and it’s been wonderful
Hi Marques, Thanks so much for the 5-star review! We're so glad to see that Step has helped you build credit! Thanks again for the kind words and we appreciate you being a part of Step 💙💗💛
Having someone to reach out and stayed on it till we got all the problems resolved and the Step Team was great. Thanks guys
Hi there! We're so glad to see our support team was able to resolve things for you. Thanks so much for your 5-star review! We appreciate you being a part of Step 💙💗💛
The step team has been responsive, clear, understanding and above all else extremely helpful.
We love to hear it, Logan! Thanks so much for your feedback here and for being a part of Step 💙💗💛
Ordered from step one for first time but unfortunately didn’t suit my requirements and must say customer service was excellent and return of unused unopened items was easy and refund was quick would recommend giving them a try
Hi Sandra! We're so happy to hear our team was able to help you. We appreciate your recommendation and 5-star review! Thanks again for being a part of Step 💙💗💛
Brad is an exceptional person for Step support, very kind and willing to help. He stepped in and offered to replace my card free of charge after I had it taken due to an ATM malfunction. I just want to thank him for making life a little easier.
Thank you for the kind words JJ! We're so glad Brad was able to assist you. We appreciate you being a part of Step and thanks again for your 5-star review 💙💗💛
I had an issue where my daughter’s birthdate year was incorrect on her personal information. I simply messaged them when I couldn’t alter it myself and within 20 minutes the problem was all fixed and her year of birth was correct. Thank you so much for your amazing customer service skills. I hope to use this platform for a long time.!
Hi Melissa! We're so glad that our support team was able to quickly resolve the issue with the birthdate on your daughter's account. We appreciate your feedback on this! Thanks for being a part of Step 💙💗💛
Step is great me and my mom been using it for a while it was always helpful thank you step
We love to hear it, Jatavious! Thanks so much for the kind words. We're glad to see you and your mom have been with us for some time. Thanks again for being a part of Step 💙💗💛
Love step! They always solve my issues. They answer less than a day or 2. Great ways to earn!
Hi Yolanda! Thanks so much for the kind words. We're so happy to hear our team was able to help resolve things for you! We appreciate you being a part of Step 💙💗💛
Very well explained answers and the help given from the team actually resolves problems. Also very nice staff.
Hi Emilio! We're so happy to hear our team was able to help resolve things for you. We appreciate your feedback here! Thanks again for for being a part of Step 💙💗💛
Fast and through response to my issue. Very happy with the result and the quick resolution.
Hi Penelope! We're so happy to hear our team was able to help quickly resolve things for you. Thanks so much for your feedback. We appreciate you being a part of Step 💙💗💛
Horrible customer service good luck trying to truly troubleshoot without using a bot.
Hi there! While Step does use AI to answer basic questions, we do have a dedicated human support team here to assist with any issues you may have. Our support team is available from 6 AM to 7 PM (PT) Monday to Friday, and 6 AM to 6 PM (PT) on weekends and holidays - we're here to help 💙💗💛
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