What Bank Does Cash App Use?

Cash App
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What bank does Cash App use? Cash App uses two partner banks for its services. Sutton Bank issues Cash App’s Cash Card and Wells Fargo insures Cash App balances up to $250,000 as long as you have the Cash Card. Keep reading to learn more.

Do You Need To Link a Bank Account To Use Cash App?

A bank account is not required to open a Cash App account or to add money to your Cash App balance.

Even if you don’t have a bank account linked to your Cash App account, you can use your Cash App account and routing numbers to deposit checks. You can also deposit cash into your Cash App account at participating retailers, including the following:

  • 7-Eleven
  • Dollar General
  • Duane Reade
  • Family Dollar
  • GoMart
  • H-E-B
  • KwikTrip
  • Kum & Go
  • Pilot Travel Centers
  • Rite Aid
  • Sheetz
  • Speedway
  • Thorntons
  • TravelCenters of America
  • Walgreens
  • Walmart

Once you have a Cash App balance, you can send money to your family and friends. You can also use your Cash App balance to pay for things. Other options include buying and selling stocks and buying and selling bitcoin.

How To Access Your Cash on Cash App

The easiest way to access your cash balance in your Cash App account is by connecting your external bank account. However, if you don’t have a bank account or don’t want to connect your bank account to Cash App, here are some other options. 

Use the Cash App Debit Card

Cash App has a debit card called Cash Card, which will allow you to access your Cash App balance. It’s a free, customizable card that can be used for purchases online and in stores that accept Visa. You can also use it to make withdrawals at any ATM for a $2.50 fee per transaction. Keep in mind that the operator of the ATM might also charge a fee. 

Make Your Money Work Better for You

As long as you’re at least 18 years old, you can apply for a Cash Card online and use it as soon as you are approved by adding it to Apple Pay or Google Pay. You can also obtain the details of the card, including the card number, in the Cash Card tab, which will allow you to shop online.

Transfer Your Money to Someone You Trust

As a workaround, if you don’t have a Cash App Cash Card, you could transfer the money you need to access to a trusted family or friend who has a Cash App debit card. The person can withdraw the cash for you. However, they will have to pay the associated ATM withdrawal fees

Are Cash App Balances Protected by the FDIC?

As long as you have a Cash Card, the Federal Deposit Insurance Corporation will protect eligible Cash App accounts up to $250,000 per Cash App customer. Bitcoin and investing balances are not covered, however.

Can You Set Up Direct Deposit Through Cash App?

You can set up direct deposit through Cash App by either using your employer or payroll provider’s login or by manually inputting your Cash App account and routing numbers.

There’s an added benefit of setting up direct deposit. If you receive at least $300 in direct deposits per month, you will be eligible for unlimited, free ATM withdrawals.

Here’s how to set up direct deposit to your Cash App account.

Make Your Money Work Better for You

Direct Deposit With Payroll Login

  1. Tap the “Money” tab on the Cash App home screen. 
  2. Tap “Direct Deposit.”
  3. Tap “Get Started” under “Automatic Setup.”
  4. Search for your employer’s name or payroll provider.
  5. Enter the username and password for your employer or payroll provider.

If you are not able to log in or your employer is not listed, you can get your cash app routing and account numbers to manually enter them.

Cash App Routing and Account Numbers

  1. From the Cash App home screen, tap the “Money” tab.
  2. Tap “Direct Deposit.”
  3. Copy and paste the Cash App routing and account numbers or write them down. 

You can receive up to $25,000 for each direct deposit, and up to $50,000 in direct deposits within a 24-hour period. You can access direct deposits as soon as they are received, which could be up to two days earlier than many financial institutions. However, the first direct deposit might take a little longer to become available depending on your employer.  

The Takeaway

Cash App isn’t a bank. Instead, it’s a P2P mobile payment app that uses partner banks. What bank does Cash App use? Sutton Bank issues Cash App’s debit card and Wells Fargo insures Cash App balances up to $250,000 — as long as you have a Cash Card. 


Here are the answers to some of the most frequently asked questions regarding Cash App.
  • Does Plaid work with Cash App?
    • Yes, you can link an eligible bank account to your Cash App account to fund payments. However, you will have to provide your bank account username and password when you do. You'll also need to acknowledge that your personal and financial information is being provided to Plaid and will be collected, processed, transferred or stored according to Plaid's privacy policy
  • Does Cash App use Sutton Bank?
    • Yes, Sutton Bank issues Cash App's Visa debit card -- the Cash Card.
Make Your Money Work Better for You

Information is accurate as of Sept. 26, 2023. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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