Instead of waiting for a paper check in the mail, direct deposit allows you to automatically receive your hard-earned paychecks into your Step or Step Black Account. It’s convenient, secure, and saves you a trip to the bank.

Setting up direct deposit with Step is simple. Open the Step app, tap on Move Money, and select Direct Deposit. You can set it up instantly by choosing your employer, signing in to your payroll provider, and setting your deposit allocations.

If your employer isn't listed, you can either share a prefilled direct deposit form with them or manually copy your account and routing numbers to provide directly.

When you set up direct deposit in the Step app, your paycheck will be available as soon as Step receives it. That’s often up to two days earlier than you’d get it at some traditional financial institutions.

Yes! To get Step Black for free, simply receive $500 or more in monthly direct deposits.

With Step Black, you'll enjoy premium benefits like up to 8% cashback on purchases, 5.00% on your FDIC-insured savings, and $500 in annual perks — like dining, shopping, and entertainment credits.