Seems good so far! 2 changes I would make: don't default to entering a dependant, and Make it so that savings goals can be connected directly to your card for 1-time purchases. Basically, go into savings goal, hit "time to buy" button, and now when you swipe your card, for that purchase only, it takes from that instead of the spend pocket
I love this app,it's great for direct deposit. The only thing I'd recommend is adding more permanant reward offers that teens and adults use on a regular basis, like fast food chains and retail chains. I'd also like to see a lock feature added for savings so I can only add but not withdraw from specific savings goals. The round up feature is literal gold, and never get rid of it. I'd like to see step work with modak in the future. I have a modak card, but the card isn't compatible with step yet
After loading money in numerous times with a particular debit card, it has stopped working. Every time I try to add the card again, it fails with an ambiguous "something went wrong". There is no obvious way to contact Step, leaving me in a frustrating position with my child whom I cannot send money to. I get trying to minimize support costs, but this is not a game it is meant to handle money... STEP contacted me and explained what was needed. They were prompt, courteous and helpful. 5 stars!
Initially, Step was a great product that allowwd me to set up my kid's allowances and gave them experience with Credit Cards. Now, my deposits are getting declined as are their purchases. Rather than reject the transaction, funds are being put into a new account that I didn't create. Support is limited to canned questions with canned responses that don't have anything to do with my provlem. I could not be more frustrated with the experience and I'm afraid I'm going to lose my money.
Was good at first, UNTIL the app had suddenly signed me out, and there was no way to be signed back in, so I had no way of seeing my account information or amount anymore, it did this without warning and didn't even bother to email me about it??? Now I can't tell what I have on my account unless I go to a family member who keeps track of giving me money. In short, what seems like a helpful app infact ISNT. It causes more problems than it's worth and I'm not the only person to see this.
I got this app so I could send money to my highschool-age son. It works as advertised but it's so hard to figure out how to send him money that I spend 5 or 10 minutes re-learning how to do it each time. You'd think it would be immediately obvious how to send money to your one, lone contact, but it's not. You have to cycle through several counterintuitive screens, and deselect a thing or two and select another thing or two, and eventually you can send the money. Oddly difficult.
Step has been amazing! There is no monthly fees. If you get charged at an ATM, step will give it back to you. I've had no issues. It's so simple transferring money, adding money, paying friends ect.. it's pretty cool you can have your own account along with your teens account and you can watch what they spend, set up weekly allowances. I don't like that it's only a credit card but that's it.
So far, so good. Finally showed on my credit report 2 months after opening, and boosted my score 2-3pts. As someone who's trying to recover my score after destroying it last year down to a 500, I couldn't qualify for any credit card that wasn't secure and most were wanting $2-$300 security deposit. Step didn't require any, and it's format prevents you from hurting your credit score, which is a huge plus if you're someone who's skilled at decimating it. Lol.
I like the app, mostly easy to navigate, sometimes it feels like the main page gets a little busy it may just be the placement. Other than that I do like I do like the app. I would have given it more stars if the Black card status was more clear in the beginning. From my understanding I thought if kept interacting with the app I would have the black card status. Now I need to pay 4.99 a month, complete turnoff, might not even really use, as the high $ back is gone. DD can't be used everywhere.
Great for saving and building credit, but it takes too long to make deposits. The app says it takes 1-3 business days, but in reality it takes more than a week. Not only does it take forever to see the money in your account, but they also draft it out of your linked account, so you're down x,y,z amount of money and it won't appear on your step account. Definitely not very time efficient. It would be better if it was faster. My other bank takes about thirty minutes to take action.
