I've been using the FREE Step App & Step Visa Card to send & spend $. Get $1 when you sign up with my link. No deposit required to sign up, no monthly fees, sponsor accounts for teens under 18yrs of age, help build/rebuild your own credit as an adult and give the gift of good credit as soon as your teen turns 18 if they have an active sponsored account and then when they turn 18 automatic credit reporting can be activated within the app to further build their credit. Add funds at a store with cash or link an external bank account and transfer funds. Set up automatic transfers from a sponsor account to a teens account for regular payments for their allowance. Track and monitor all transactions for your teen from within the app. Have the ability to freely lock and unlock your card in the app to reduce the risk of unwanted purchases. Save and invest in cryptocurrency all within the same app by having different locations to keep your money safe. Options include your spending account, your savings account (which you can create more than one "goal" to save your money in. Have one goal set for buying a new car and have a separate goal set for vacation funding and save for both at the same time in separate folders). Automatically fund your savings account with "round-ups" for purchases made with your step card. Why say NO to zero monthly fees, zero account management fees, NO MINIMUM balance requirements and NO MINIMUM DEPOSIT REQUIRED to open your account. Get fee free access to your money 24/7 from any of the listed in-network ATM you can easily find near you from within the app.