{"account":{"slug":"step-banking","bank":"Step","name":"Step Visa Card & Money Account"},"status":"recent","lastVerified":"2026-09-04","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"}],"verificationEvents":[{"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"}