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Step is the all-in-one banking solution for teens to build smarter money habits. Step offers an FDIC-insurance bank account and a free Visa¹ Card. While the Step Card acts like a debit card, teens can actually build positive credit history with every purchase they make. Step gives teens real world money practice that equips them to become financially independent. The Step App provides insights into teens’ spending and saving, so parents can have peace of mind knowing that their teens’ transaction history is only a click away. With features like direct deposit, savings goals, and automated allowance payments, parents can feel confident that Step is setting their teen up for financial success. Benefits of Step for parents: - No monthly fees, no overdraft fees - Instantly send money to your teens - Automate your teen’s allowances & skip or adjust anytime - Connect your existing debit card, bank account or other apps for instant transfers - Visibility into your teen’s spending and savings - Customer support 7 days a week - Freeze teens’ credit card in case it gets lost - Add your whole family to Step - Protected by Visa's Zero Liability Policy² Benefits of Step for teens: - Get paid up to 2 days early with direct deposit⁴ - No monthly fees, no overdraft fees - Instantly send and receive money - Build positive credit history before you turn 18 - Deposit cash at over 70,000+ retail locations nationwide - Over 30,000 fee-free ATMs nationwide at major stores and retailers³ - Customize your own Step Visa Card - Add your Virtual Step Card to Apple Pay - Create Savings Goals to help you budget for big purchases - Track your balance in the app ¹Step is a financial services platform. Banking services provided by and the Step Visa card issued by Evolve Bank and Trust, member FDIC. ²Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. ³Out-of-network ATM withdrawal fees apply. ⁴Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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