Cash App Logo
Sign up
Log in

Bank* on your terms

Order a Cash App Card

Send money for free

Save for your goals

Know your money is safe

Deposit your paychecks

Pay over time with Cash App Afterpay

Save on everyday spending

Buy stocks with no commission fees

Buy and sell bitcoin easily

File your taxes for free

Get a secure debit card for your teens

Learn more
  • Careers
  • Press
  • Outsmart scams
  • No hidden fees
  • Reviews
  • Help
Stay in Touch
  • X Logo
  • Instagram Logo
  • Tik Tok Logo
  • LinkedIn Logo
  • Twitch Logo

Manage your money with no hidden fees

Start banking through Cash App*

Access your money with no monthly or hidden fees

24/7 fraud monitoring and real-time scam alerts

Order a Cash App Card to be eligible for FDIC insurance**

Manage your money with flexible ways to save and spend

CASH APP CARD

Order a Cash App Card—it’s the debit card with no monthly or hidden fees that gets you cash back at places you love, every week.

Meet Cash App Card
DEPOSIT MONEY

We make it easy to deposit money. Get paid early with direct deposit, make cash deposits at stores near you, and more.

How direct deposit works
SAVINGS

Make your money work for you with high-interest savings. Earn up to 3.5% interest and get automatic ways to save for your goals.****

Explore ways to save
SEND MONEY

Send and receive money instantly for free with friends and family. 57+ million people trust Cash App with their money. 

Learn about sending money

How Cash App compares

Cash App

Chase

Bank of America

Wells Fargo

Monthly fee

$0

Up to $34

Up to $35

Up to $35

Overdraft fee***

$0

Up to $34

Up to $10

Up to $35

No-fee ATMs****

40,000

15,000

15,000

11,000

APY*****

Up to 3.5%

0.01%

0.01%

0.01%

MoneyPass Network includes 40,000 ATMs. Sources: Data from Bank of America, Wells Fargo, Chase, and Capital One websites as of September 2025
NO HIDDEN FEES

Skip the monthly fees, hidden fees, and minimum balance requirements.

Save on fees
FREE OVERDRAFT COVERAGE

Stay covered when you need it  with free overdraft coverage.***

Get coverage
CASH APP GREEN

Turn everyday spending into our best benefits, including higher Borrow limits, up to $200 in overdraft coverage***, and 3.5% savings interest.*****

Explore Cash App Green

FDIC insurance for up to $250,000**

When you have a Cash App Card, your money is eligible for FDIC insurance, subject to terms.** We partner with FDIC-insured banks to keep your money protected.

Cash App is built for security

Learn about security

Real-time transaction alerts

24/7 fraud monitoring

Card lock and security lock

Common questions

Online banking with Cash AppOnline banking basics

Do you need a bank account for Cash App?

No, you don't need a bank account to create a Cash App account or add money to your Cash balance.

There are a number of ways to send and receive money through Cash App if you don't have a bank account. When you have a Cash App Card, you can deposit paychecks, tax returns, and more to your Cash balance using your account and routing numbers. If you have paper money, you can make deposits into your Cash balance at participating retailers.


Are there limits for transfers, deposits, or withdrawals on Cash App?

Yes, like most financial services platforms, Cash App has limits for transfers, deposits, and withdrawals. You can find our sending and receiving limits, paper money deposit limits, ATM withdrawal limits, and more on our support website.

What is a Cash App bank account?

When you have a Cash App account, you can use money in your Cash balance like you would use money in a bank account. It’s easy to send, spend, save, and invest your money, and you can deposit money into your Cash balance.

How do I link my bank account to Cash App?

You can link your bank account to Cash App on our website or with the app by visiting your profile. After you link a debit card or bank account, you can add money from your linked bank to your Cash balance.

How does Cash App keep my money safe?

Cash App uses encryption and fraud detection technology to make sure your data and money are secure. Any information you submit is encrypted and sent to our servers securely, regardless of whether you're using a public or private Wi-Fi connection or data service.

What bank is Cash App?

Cash App is a financial services platform, not a bank. Whether you want to send, spend, bank, save, or invest, you can do it with Cash App. Cash App provides many services, like direct deposit, free overdraft coverage, and offers, while other products and services, like debit cards, are provided by partner banks and service providers.

Is Cash App a bank?

No, Cash App is not a bank. It’s a financial services platform. We partner with banks to provide banking services.

Is Cash App Sutton Bank?

No, Cash App is not Sutton Bank. Sutton Bank is one of Cash App’s partner banks and issues Cash App Cards, but it’s a separate company.

What is online banking?

With online banking, you can manage your money anywhere you have a computer or phone and an internet connection. You use online banking to do things like check your balance, transfer money, deposit checks, and more.

How to create a bank account online

After you choose where you want to open an online bank account, you typically need to provide some info about you, like your name and date of birth, and verify your identity with your Social Security number or a government-issued photo ID. After that, you might be asked to add money to your account to get started using another bank account or debit card.

How does online banking work?

You can use your phone or computer to get online and manage your money with an online banking app or website. Most online banking services make it easy to check your balance, send or transfer money, make deposits, and even pay bills online.

Explore More

Get extra cash, right when you need it

How to get extra cash

Save on everyday spending

Learn about offers

Buy and sell bitcoin instantly******

Learn about bitcoin
Scan to download Cash App
Available daily, 8 AM to 9:30 PM ET

Need Help?

1 (800) 969-1940

Learn more

CareersPressHelpStatusLegalLicensesPrivacy NoticeYour Privacy Choices

Stay in touch

X LogoInstagram LogoTwitch LogoTik Tok Logo

1 (800) 969-1940
Available daily
8AM to 9:30PM ET

Chat with us
Available 24/7 in
your mobile app

Cash App is a financial services platform, not a bank. Banking services are provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Direct deposit provided by Cash App, a Block Inc. brand. See Terms and Conditions.
With a Cash App Card your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.
Free overdraft coverage of up to $200 for Cash App Card transactions is available when you deposit at least $300 of Qualifying Deposits monthly into Cash App. Eligibility requirements apply, see terms for details.
Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card or sponsor one or more sponsored accounts and receive at least $300 in paycheck direct deposits each month; or (b) have a sponsored account with sponsor approval to earn interest. Exceptions may apply. Savings yield rate is subject to change.
Cash App reimburses ATM fees for all in-network withdrawals and one out-of-network withdrawal when you deposit at least $300 of Qualifying Deposits monthly into Cash App. See terms for details.
Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. Block, Inc. operates in New York as Block of Delaware and is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Bitcoin is a non-deposit, non-bank product that is not FDIC insured and involves risk, including monetary loss. For additional information, see the Bitcoin disclosures.
Download Cash App