Step Mobile, Inc.
(https://step.com) 📸 Data Snapshot: May 25, 2026
Identity & Authority — The Lens
Inspect the JSON-LD. Is there an Organization or Person schema, and does it carry sameAs links to real external profiles (LinkedIn, socials)? Missing schema or no identity declaration signals an anonymous entity.
Identity & Authority
Expert verifiability & Schema depth.
13
Impact Weight: 15 / 100
87% Reputation
Authority is well-established through robust schema_json, including specific Organization and FinancialProduct types with sameAs links to social profiles. There is a minor authority gap in using Stephen Curry as a primary H2 authority figure, as his expertise is in basketball and investing rather than financial regulation. However, the presence of the FDIC-insured claim (up to $1,000,000) through partner Evolve Bank & Trust provides the necessary regulatory authority expected in this industry.
The site makes bold performance claims, such as ‘Step users in their 20s increase their credit score by an average of 57 points in one year.’ While specific, the lack of a direct link to the study or methodology within the clean text makes this difficult to verify immediately. Testimonials are explicitly marked as potentially compensated, which creates a gap between the claimed ‘Better than Bank of America’ sentiment and objective reality. Still, the reliance on hard percentages (3.00%, 10%) mitigates the overall marketing fluff.
Identity & Authority is read from the structured data first: whether the site declares who it is in machine-readable schema, with verifiable identity links. Below is the schema captured per page, then the external proof links that support (or fail to support) that identity.
🔗 Identity & Technical Layer — schema JSON-LD: identity chains, entity gaps
Homepage schema
[
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"logo": "https://step.com/assets/logo-dark.png",
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"contactPoint": {
"@type": "ContactPoint",
"email": "hello@step.com"
},
"legalName": "Step Mobile, Inc."
},
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"legalName": "Step Mobile, Inc.",
"logo": "https://step.com/assets/logo-dark.png",
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"contactPoints": [
{
"@type": "ContactPoint",
"email": "hello@step.com"
}
]
},
{
"@context": "https://schema.org",
"@type": "WebSite",
"name": "Step",
"url": "https://step.com/"
}
]
/rewards/
[
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"logo": "https://step.com/assets/logo-dark.png",
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"contactPoint": {
"@type": "ContactPoint",
"email": "hello@step.com"
},
"legalName": "Step Mobile, Inc."
},
{
"@context": "https://schema.org",
"@type": "FinancialProduct",
"name": "Step Rewards",
"description": "Earn rewards points on every purchase with the Step Visa Card. Redeem for cash back or other rewards.",
"url": "https://step.com/rewards",
"provider": {
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"legalName": "Step Mobile, Inc.",
"logo": "https://step.com/assets/logo-dark.png",
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"contactPoints": [
{
"@type": "ContactPoint",
"email": "hello@step.com"
}
]
},
"feesAndCommissionsSpecification": "Free",
"category": "Rewards program"
},
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [
{
"@type": "Question",
"name": "Do my points ever expire?",
"acceptedAnswer": {
"@type": "Answer",
"text": "No! As long as your Step Account is open and in good standing, your points never expire."
}
},
{
"@type": "Question",
"name": "What are my points worth?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Each point is worth 1 cent. That means that 500 points earns you $5.00 in cash, 1,000 points earns you $10 in cash, 2,500 points earns you $25 in cash…you get the idea."
}
},
{
"@type": "Question",
"name": "What can I redeem my points for?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Right now, you can choose to redeem your points either for cash (which gets deposited straight to your Step Account), or for gift cards for common merchants. More ways to redeem points are coming soon, so stay tuned! "
}
},
{
"@type": "Question",
"name": "Where can I see my points balance?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Open your Step app, tap Accounts in the bottom-left corner, and select your Points account. You'll see your points balance at the top of the screen! "
}
}
]
}
]
/save/
[
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"logo": "https://step.com/assets/logo-dark.png",
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"contactPoint": {
"@type": "ContactPoint",
"email": "hello@step.com"
},
"legalName": "Step Mobile, Inc."
},
{
"@context": "https://schema.org",
"@type": "FinancialProduct",
"name": "Step Savings",
"description": "High-yield savings account with competitive APY, FDIC insured up to $1,000,000. Available to Step members.",
"url": "https://step.com/save",
"provider": {
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"legalName": "Step Mobile, Inc.",
"logo": "https://step.com/assets/logo-dark.png",
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"contactPoints": [
{
"@type": "ContactPoint",
"email": "hello@step.com"
}
]
},
"feesAndCommissionsSpecification": "Free",
"category": "Savings account"
},
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [
{
"@type": "Question",
"name": "How do I earn 3.00% on my savings?",
"acceptedAnswer": {
"@type": "Answer",
"text": "To start earning 3.00% on your savings, subscribe to Step Black. Get it free by setting up a monthly direct deposit of $500 or more to your Step Account, or choose to pay $4.99 per month. Simply set up direct deposit from the Move Money screen—whether it’s your entire paycheck or just enough to qualify for that 3.00% boost every month."
}
},
{
"@type": "Question",
"name": "What’s the best way to take advantage of the 3.00% rate?",
"acceptedAnswer": {
"@type": "Answer",
"text": "To maximize your earnings, become a Step Black member and consider setting up a monthly direct deposit of $500 or more to your Step Account so that you don't pay the monthly fee. Consistent contributions, combined with the 3.00% rate, can help your savings grow faster and help you reach your financial goals sooner. "
}
},
{
"@type": "Question",
"name": "How much is my Step Account insured up to?",
"acceptedAnswer": {
"@type": "Answer",
"text": "All deposits made with Step Black Accounts are insured up to $1,000,000 by our bank partner, Evolve Bank & Trust, member FDIC. Standard Step Accounts are insured up to $250,000 by our bank partner. That means your family’s money is federally backed and safe, no matter what."
}
},
{
"@type": "Question",
"name": "How much of a difference can 3.00% have on my savings?",
"acceptedAnswer": {
"@type": "Answer",
"text": "A 3.00% savings rate means that your money will grow faster compared to a standard savings account. If you start with $1,000 in your Step Savings Goal and don’t touch it for a year, you could earn $30 in interest. With regular contributions, your savings—and the interest you earn—can grow even more over time."
}
},
{
"@type": "Question",
"name": "Why is your savings rate so much higher than traditional banks?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Banks are required to maintain minimum balances on an overnight basis to ensure they have enough funds for day-to-day activity. The federal funds rate is the target interest rate that U.S. banks pay one another to borrow or loan money overnight in order to meet the balance requirements. We’ve set our savings offer (3.00%) to be close to the Federal Funds Rate so that you can maximize your savings, but not every financial institution does this. "
}
}
]
}
]
/direct-deposit/
[
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"logo": "https://step.com/assets/logo-dark.png",
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"contactPoint": {
"@type": "ContactPoint",
"email": "hello@step.com"
},
"legalName": "Step Mobile, Inc."
},
{
"@context": "https://schema.org",
"@type": "FinancialProduct",
"name": "Step Direct Deposit",
"description": "Set up direct deposit to your Step account and unlock Step Black benefits, including early paycheck access with Step EarlyPay.",
"url": "https://step.com/direct-deposit",
"provider": {
"@type": "Organization",
"name": "Step",
"url": "https://step.com",
"legalName": "Step Mobile, Inc.",
"logo": "https://step.com/assets/logo-dark.png",
"address": {
"@type": "PostalAddress",
"addressCountry": "US",
"addressRegion": "CA",
"streetAddress": "120 Hawthorne Avenue",
"postalCode": "94301",
"addressLocality": "Palo Alto"
},
"sameAs": [
"https://step.com",
"https://www.instagram.com/stepmobile/",
"https://twitter.com/step",
"https://www.facebook.com/step",
"https://www.linkedin.com/company/stepmobile"
],
"contactPoints": [
{
"@type": "ContactPoint",
"email": "hello@step.com"
}
]
},
"feesAndCommissionsSpecification": "Free",
"category": "Direct deposit"
},
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [
{
"@type": "Question",
"name": "What is direct deposit and how does it work?",
"acceptedAnswer": {
"@type": "Answer",
"text": "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. "
}
},
{
"@type": "Question",
"name": "How do you set up Step direct deposit?",
"acceptedAnswer": {
"@type": "Answer",
"text": "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."
}
},
{
"@type": "Question",
"name": "How early do you get paid with Step direct deposit?",
"acceptedAnswer": {
"@type": "Answer",
"text": "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."
}
},
{
"@type": "Question",
"name": "Can I really get Step Black for free with direct deposit?",
"acceptedAnswer": {
"@type": "Answer",
"text": "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 up to 10% cashback from select merchants and 1% everywhere else, 3.00% on your FDIC-insured savings, and $500 in annual perks — like dining, shopping, and entertainment credits. "
}
}
]
}
]
🛡️ Trust Signals — external proof links that back the declared identity
75Review mentions (all pages)
4External proof links (all pages)
| Page | Reviews | Proof links |
|---|---|---|
| / (home) | 75 | 1 |
| /rewards/ | 0 | 1 |
| /save/ | 0 | 1 |
| /direct-deposit/ | 0 | 1 |
Explore the other reputation pillars for Step Mobile, Inc.
Analysis Disclosure & Source Attribution
This page presents a snapshot of public data from Step Mobile, Inc., captured on May 25, 2026, to show how machine logic reads Identity & Authority signals into an AI reputation evaluation.
Purpose: This data is presented under “Fair Use” for the purpose of independent signal analysis, allowing readers to see the raw signals behind the reputation score.
Notice to Step Mobile, Inc.: This analysis is part of a non-adversarial audit conducted by 1 Euro SEO. The results are intended as professional feedback to help improve any website’s machine-readability and authority signals. The evaluation is free, and any company can request a fresh audit at any time.
Any company can use the insights for free and improve its voice. When a company has updated its content, it can always submit a new audit request, which will be reflected in a new current score.
To all users: You are encouraged to visit the live site at https://step.com to view the most current version of its content and see directly what this company is about and what it offers.