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.
1 star for customer service that helped me get back into my account. My account was glitching and logged me out and I had to find out how to reach them. Got back in after a day but when I asked what happened, they told me they can't tell me. This was the first time it happened. Did I get hacked? They can't tell me or won't tell why? I don't know. If you can't tell me then why should I trust this bank with my money? Be careful!
Reply from Step2025-06-03
Hi Meesh! We'd be happy to take another look at any issues you're having, but we're happy to hear our team was able to get your access to your account! Feel free to email us at [email protected] 💙💗💛
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Mari Perez · 1 review · Experienced 2025-05-27 ·
★★★★★
What i needed to be done!
They understand what was the situation and they immediately took of it! Thank you!
Reply from Step2025-06-03
We love to hear it, Mari! Thanks for taking time to leave us a kind review, and thanks for being a part of Step 💙💗💛
Hi Khiana! We're so happy to hear that the Step team has been helpful for any concerns you've reached out to us about. Thanks for your 5-star review and for being a part of Step 💙💗💛
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Voruality · 8 reviews · Experienced 2025-05-23 ·
★★★★★
Best bank ever (for teens)
I have been using step for over 2 years its literally so good i don't even have direct deposit set up and no fees setup the customer support was always nice and quick they did a good job on tht
I recommend you use this bank if you want a bank with no fees
Reply from Step2025-06-03
We love to hear it, Carti! Thanks so much for rating us 5-stars and for being a long time member of our #StepFam! 💙💗💛
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Brenda Ritari · 1 review · Experienced 2025-05-20 ·
★★★★★
Great customer service!
Reply from Step2025-06-03
Hi Brenda, wow! Thanks so much for sharing your experience with us, rating us 5-stars, and for being a part of Step! 💙💗💛
I signed my daughter up for a credit card that she could use for a field trip for school. The card got denied. It said that in the right account that I signed up for. Tried to contact customer service and no one can help figure anything out. Called customer service instead of using the app and they hung up on me.
Reply from Step2025-06-03
Hi Becky! Our team would be happy to look into this, however it sounds like maybe your teen's card wasn't active. We apologize for any confusion, please contact us through the app or by emailing us so we can assist! Looking forward to hearing from you 💙💗💛
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Anthony · 1 review · Experienced 2025-05-09 ·
★★★★★
It’s good I’ve been using it for about…
It’s good I’ve been using it for about a year, since 17 to be exact. I opted in last month on April the 16th which is my 18th birthday. It says I’ll be able to see my score June 12th. Is this information accurate?
Reply from Step2025-05-14
Hi Anthony! Thanks so much for sharing your experience with us, we're so happy to hear that Step has helped you get ready for your credit journey! Yes, typically your initial credit report can take between 30-60 days to show in your account. Please reach out to us after June if you still don't see any updates in your Step app! Thanks for being a part of Step 💙💗💛
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Cye Yates · 1 review · Experienced 2025-05-09 ·
★★★★★
Extremely good company I’ve had my fair…
Extremely good company I’ve had my fair share of fintech banks chime,oxygen,ugami etc but one hassle I do run into frequently is we have an account checking account but the card is a credit card will there be a debit card in future or what are the plans for that being when I put my account info in some services they require a debit card linked to a checking account
Reply from Step2025-06-03
Wow, thanks Cye! We greatly appreciate your review, especially after having used many similar apps to Step and choosing us! We'll be sure to share your feedback to our team about the possibility of debit cards in the future. We're happy to have you here with us at Step 💙💗💛
Unopened an account, then opened Step cards for my 10 and 13 year old daughters. My 13 year old daughter was gaslit by the banking app, that in order to get a debit card, she would need to have a step black subscription.
I deposited $20.00 into her account. This was February. Today, even after a whole fiasco if contacting Step, telling them there is *no profile button* at the bottom right of the app to unsubscribe from Step Black, and STEP SENDING ME $50.00 to rectify the situation ....
I opened my daughter's Step account to see, that ONCE AGAIN, they have taken the $4.99 monthly fee for something SHE IS NOT SUBSCRIBED TO.
I AM ABSOLUTELY DONE WITH THESE PREDATORS.
Reply from Step2025-05-14
Hi Michele, our team has contacted you on a few different occasions to assist in closing of you and your teen's accounts. We have also issued a credit to cover the cost of your Step Black subscription. We would be incredibly happy to help fully resolve your issues, however unfortunately we haven't heard back from you about these concerns. Please reply to our emails from [email protected] so we can fully resolve this with you. We look forward to hearing from you.
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SMD · 3 reviews · Experienced 2025-05-05 ·
★★★★★
customer service is wonderful
Hi, I’d like to shout out STEP, their customer service is the bomb, they’re fast at solving ur issue & treat u with such respect, always nice & willing to help. If u want a trusted account go to STEP, u won’t regret it! Lots of cool things u can do like getting a step black for ur child & even playing trivia with ur friends!! Why u waiting go download & start enjoying STEP like I do! 🙏❤️
Reply from Step2025-05-06
Hi SMD, Wow! Thank you so much for such a kind 5-star review and for sharing your experience with our customer support team. We'll be sure to share your feedback to them. Thanks again so much for your wonderful review and for being a part of our #StepFam 💙💗💛
I love this app and I recommend it to anyone and everyone. It’s easy to use and helps with your credit. I have had step for 4 years now and it’s the main bank I use. Any time you have a problem they make sure they can help to the best of there ability.
Reply from Step2025-05-05
Hi Amaya! Thanks so much for sharing your experience with us as a long-time Step member! We're happy to hear that Step has become a main financial staple in your home. Thanks for being a part of Step! 💙💗💛
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Shamyra · 2 reviews · Experienced 2025-04-28 ·
★★★★★
I was charged fees for using a in network atm
I was charged fees for using a in network atm and I was told they don’t reimburse fees even if they lied about in network locations
Reply from Step2025-05-05
Hi Shamyra! If you were charged for a fee in-network then please reach back out to us so we can review this transaction. We look forward to hearing from you! 💙💗💛
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JENNIFER STONER · 2 reviews · Experienced 2025-04-29 ·
★★★★★
Got the answers i was looking for
Reply from Step2025-05-05
We love to hear it, Jennifer! We'd also love to hear what could help upgrade your review from 4-stars to 5-stars! We're always open for feedback. Please reach out to us through the app or by emailing us at [email protected] 💙💗💛
Wonderful customer service & very quick & responsive- via email. We as a family absolutely love Step!
Reply from Step2025-05-05
We love to hear it, Desiree! Thank you for sharing your experience with us, we're elated to know that you and your family are enjoying your financial journey with Step 💙💗💛
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Prxvokc · 1 review · Experienced 2025-04-24 ·
★★★★★
they were very helpful and responsive
Reply from Step2025-05-05
Hi Prxvokc! Thanks for the 5-star review and for sharing your experience with us. We're happy to have you here with our #StepFam 💙💗💛
They are the best !!!! I was locked out of my account for years. Unable to log in , I Finally contacted customer service and they didn’t give up till I was in my account . Great Job guys !!
Reply from Step2025-04-24
Hi Kimberly, wow! Thank you so much for sharing your experience with us and rating us 5-stars. We're happy to have you here with us at Step 💙💗💛
What made my experience great with Ste is the customer service provider are Great! They helpful and quick polite and professional.
Reply from Step2025-04-24
Hi Timothy wow! Thanks so much for sharing 5-stars with us, we'll be sure to share your kind feedback to our team. Thanks for being a part of Step! 💙💗💛
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Mary Robinson · 1 review · Experienced 2025-04-21 ·
★★★★★
Very helpful and patient and waited…
Very helpful and patient and waited till the issue was resolved !!! Love step . My college kids use it all the time. It’s been great 😊
Reply from Step2025-04-24
HI Mary! We're so happy to hear that our support team was able to assist with your concerns. Thanks so much for sharing your experience with us and thanks for being a part of Step! 💙💗💛
I really enjoyed this banking it's a great way to build credit and you save on every purchase it's awesome and the best thing is you get paid 2 days early i really recommend it for anyone.
Reply from Step2025-04-24
We love to hear it, Gerardo! Thanks for sharing your experience with us, we're elated to know that Step has been a helpful tool for your financial growth. Thanks again for being a part of Step! 💙💗💛
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customer · 2 reviews · Experienced 2025-04-19 ·
★★★★★
They are very helpful respond quick and…
They are very helpful respond quick and try to help you out as fast as possible and respectful
Reply from Step2025-04-24
Hi there! Thanks so much for sharing your experience with our customer support team. We'll be sure to let them know that they were able to assist you quickly and respectfully! Thanks for being a part of our #StepFam 💙💗💛
