{"account":{"slug":"step-banking","bank":"Step","name":"Step Visa Card & Money Account"},"status":"recent","lastVerified":"2026-10-22","officialSource":"https://step.com/","history":[{"date":"2026-06-11","apy":"3% savings reward with Step Black; none on the free tier","monthlyFee":"$0 core; Step Black listed as $4.99 with activity waivers","minimumOpen":"None","note":"Legacy snapshot before the current earned-status model was confirmed"},{"date":"2026-09-04","apy":"3.00% savings reward with earned Step Black status; the account is not interest-bearing","monthlyFee":"$0 core; Step Black earned at no cost with $300 qualifying monthly direct deposit or $500 monthly card spend; optional paid enrollment may be offered in-app","minimumOpen":"None","atm":"$3 Step out-of-network ATM fee plus any operator fee","note":"Removed the unsupported fixed $4.99 price and corrected cashback eligibility; public terms show a free earned path while legal terms allow optional paid annual enrollment at an in-app price","sourceUrl":"https://step.com/rewards","sourceLabel":"Step rewards and Step Black terms"},{"date":"2026-10-23","apy":"3% variable savings reward with Step Black; not bank interest","monthlyFee":"$0 core maintenance; Step Black earned with $300 qualifying direct deposits or $500 eligible monthly card spending; optional paid enrollment disclosed in-app","minimumOpen":"None","atm":"$3 out-of-network ATM fee in the checked agreement, plus any operator fee; account-specific waivers require confirmation","note":"Scoped check: removed the no-longer-advertised 10% merchant-reward headline and unsupported blanket ATM waiver; clarified age 13 eligibility for Black, sponsor-to-child benefits, parent-managed accounts and adult credit-reporting verification. Full-record verification date retained.","sourceUrl":"https://step.com/policies/step-black-terms-and-conditions","sourceLabel":"Step Black terms, current rewards page, FAQ and account agreement checked October 23"},{"date":"2026-10-23","apy":"3% savings reward with Step Black (paid as rewards, not interest); none on the free tier","monthlyFee":"$0 core; Step Black can be earned at no cost with $300 in qualifying monthly direct deposits or $500 in monthly card spend; paid enrollment may be offered in-app","minimumOpen":"None","atm":"Fee-free network shown in the Step app; the checked account agreement lists a $3 out-of-network ATM fee, plus any operator fee. Confirm any account-specific waiver in-app","note":"Scoped correction: replaced an absolute no-overdraft/no-debt claim with the agreement’s shortage and repayment terms, and qualified the plan-level all-three-bureaus claim. October 22 full-record verification and earlier observations retained.","sourceUrl":"https://step.com/policies/accountagreement","sourceLabel":"Step account agreement and credit-reporting disclosure"}],"verificationEvents":[{"id":"f09e9e1f-610a-4798-b50b-701a6ba6efa9","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T10:51:50.078Z","recordedAt":"2026-10-23T10:51:50.079Z","sourceUrl":"https://step.com/policies/accountagreement","sourceLabel":"Step account agreement and credit-reporting disclosure","outcome":"changed","summary":"Scoped correction of absolute no-overdraft/no-debt wording and all-three-bureaus reporting; full-record date retained.","changedFields":["features","plans","termHistory"],"previousHash":"5b9fb104ec446e993d620f0e71c7259c28b52e8f2d8f6a3254b13e0ba6d1fff5","recordHash":"64c58ad5141201c566601e9922fcbb29345fec830e8a1681541b048757b92928"},{"id":"82f2a031-22e5-4307-8c14-0fd9f7bc1685","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T08:40:13.751Z","recordedAt":"2026-10-23T08:40:13.752Z","sourceUrl":"https://step.com/policies/step-black-terms-and-conditions","sourceLabel":"Step Black terms and current rewards, FAQ and account agreement","outcome":"changed","summary":"Scoped check of Black eligibility, family benefits, rewards and ATM fees. Current July 22 terms specify age 13 for Black and sponsor benefit sharing; current rewards page advertises 1% cashback, not the prior 10% partner headline. Current account agreement lists a 3 dollar out-of-network fee without a verified blanket Black waiver. Full-record date retained.","changedFields":["plans","features","atm","cons","ourTake","termHistory"],"previousHash":"4d6c73b2bf1d07277a39af6e613e606a0fd6f758497a499acaffcc16a5078b1f","recordHash":"0f2ce605258eb2b18610cf95cd31d1260af9fa656780bf7405373db7d4948df0"},{"id":"27216cd9-d11b-45f8-8cb3-d6720d8102b5","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T02:33:06.806Z","recordedAt":"2026-10-23T02:33:06.807Z","sourceUrl":"https://help.step.com/en/articles/4357542-are-there-any-fees-associated-with-my-step-account","sourceLabel":"Step account fees","outcome":"changed","summary":"Confirmed no monthly core account fee and network ATM access; Black waives Step out-of-network fee but ATM owner charges may remain.","changedFields":["atm"],"previousHash":"d7aa0a396a7e1b3b904869b3a6e35dd5b6970506a3c12ddd40dcfd294437133d","recordHash":"b83bffede2e73664ae554310cb98ed83965bbe2b0c1fc2278711f6dff6a3f889"},{"id":"2735aa99-016e-4746-b497-832d7f5f63c3","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T02:33:06.736Z","recordedAt":"2026-10-23T02:33:06.736Z","sourceUrl":"https://step.com/policies/step-black-terms-and-conditions","sourceLabel":"Step Black current and legacy terms","outcome":"changed","summary":"Current July 22 terms allow free earned status or optional monthly subscription priced in the app. Annual subscription text is legacy; corrected current analysis.","changedFields":["ourTake"],"previousHash":"6bb744ed2ba37c120ab9bdd529da39396a60fa7bb37c9a60292647e3714c882f","recordHash":"d7aa0a396a7e1b3b904869b3a6e35dd5b6970506a3c12ddd40dcfd294437133d"},{"id":"92c14fd2-17e1-494c-b064-340f25a219f5","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T02:33:06.664Z","recordedAt":"2026-10-23T02:33:06.665Z","sourceUrl":"https://step.com/rewards","sourceLabel":"Step rewards","outcome":"confirmed","summary":"Confirmed earned Black thresholds, savings reward and cash-back eligibility; retained distinction between rewards and interest.","changedFields":[],"previousHash":"983fa1962b7e6acc45fbb04b1ee744ed26c40c13c3a1ed17dbf93f189bd0f9c3","recordHash":"6bb744ed2ba37c120ab9bdd529da39396a60fa7bb37c9a60292647e3714c882f"},{"id":"77531da8-19fc-4c81-a572-c2eb0d9b18b7","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-10-23T02:33:06.593Z","recordedAt":"2026-10-23T02:33:06.594Z","sourceUrl":"https://step.com/build-credit","sourceLabel":"Step credit reporting","outcome":"changed","summary":"Corrected guide and account credit reporting to up to two years of previous payment history reported at age 18.","changedFields":["lastVerified","tagline","features","pros","ourTake","bestFor"],"previousHash":"e777d2ec8afa2b802ad24a121c287f7744978adb20d55157e62b0c50749b131e","recordHash":"983fa1962b7e6acc45fbb04b1ee744ed26c40c13c3a1ed17dbf93f189bd0f9c3"},{"id":"4b388515-6554-4d5f-94fb-739eb1edca29","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:19:40.524Z","sourceUrl":"https://step.com/rewards","sourceLabel":"Step rewards and earned Step Black terms","outcome":"changed","summary":"Corrected Step Black to the public earned-status model and moved unlimited 1% cashback off the free tier","changedFields":["monthlyFee","plans","features","pros","cons","ourTake","termHistory","lastVerified"],"facts":{"earnedDirectDeposit":300,"earnedCardSpend":500,"savingsReward":3,"everydayCashbackRequiresBlack":true,"publicEarnedPathSubscription":false},"previousHash":"0f4465105486901511ba286fcd9b500125a9eeed9bbd06055532f64e424e95b5","recordHash":"6472dc6e9963da9dff8412a9937882ff5486d0fbc37f7a23b97ef7176e3cfca2"},{"id":"655ff294-4517-4bed-9e78-17eec80581ec","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:19:40.748Z","sourceUrl":"https://step.com/policies/step-black-terms-and-conditions","sourceLabel":"Step Black legal terms","outcome":"changed","summary":"Legal terms also contemplate optional paid annual Step Black enrollment at a fee disclosed in the app, so the account page now distinguishes that path from free earned status","changedFields":["monthlyFee","plans","ourTake","termHistory"],"facts":{"optionalPaidAnnualEnrollment":true,"pricePubliclySpecified":false},"previousHash":"6472dc6e9963da9dff8412a9937882ff5486d0fbc37f7a23b97ef7176e3cfca2","recordHash":"b54b08f84731ca3638fc21aa6d88fb287f1d3e7a7e32ce6c15d125eda9e31d94"},{"id":"474ae7fd-dad6-4808-8b90-7e88b79a13cb","entityType":"bank-account","slug":"step-banking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:19:40.967Z","sourceUrl":"https://step.com/policies/accountagreement","sourceLabel":"Step Visa Card and Secured Account Agreement","outcome":"changed","summary":"Corrected ATM pricing to a $3 Step out-of-network fee plus possible operator fees and removed unsupported legacy account-limit claims","changedFields":["atm","features","termHistory"],"facts":{"outOfNetworkAtmFee":3,"operatorFeeMayApply":true},"previousHash":"b54b08f84731ca3638fc21aa6d88fb287f1d3e7a7e32ce6c15d125eda9e31d94","recordHash":"b4488353a3d40b3064c8511cd19f21e162f4aee648c5d0816a53d47dcdf3adf8"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}