What Is Cash App's Bank Name? Banking Partners Explained

Cash App itself is not a bank — it is operated by Block, Inc. (formerly Square, Inc.) and is licensed as a money services business and money transmitter in the states where it operates. Because Cash App is not a bank, it must partner with FDIC-member banks to offer banking-related features such as the Cash Card debit card and direct deposit. These bank partnerships allow Cash App to offer features that look and feel like a checking account while remaining legally distinct from a traditional bank.

This distinction matters because the consumer protections and deposit insurance rules that apply to your Cash App balance may differ from those at a traditional bank. Understanding which bank is involved, and under what circumstances FDIC insurance applies, is important for any consumer who holds funds in a Cash App account. If you are also using free methods to add money to Cash App, understanding the underlying banking structure helps you evaluate where those funds are held.

The Cash Card — the Visa debit card issued to Cash App users — is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Sutton Bank is a state-chartered bank based in Ohio. When you use the Cash Card to make purchases or withdraw cash, the underlying banking infrastructure is provided by Sutton Bank.

Lincoln Savings Bank, also an FDIC-member institution, has served as a banking partner for Cash App's direct deposit and account features in some contexts. The routing number associated with Cash App accounts for direct deposit purposes is tied to one of these banking partners. If you need to provide a bank name and routing number for direct deposit — for example, to your employer or a government agency distributing benefits — look for this information in the "Direct Deposit" section of your Cash App settings, where the correct routing number and account number are displayed. This is similar to how you would use a voided check to provide your banking information to an employer.

To set up direct deposit through Cash App, you will need your Cash App routing number and account number. You can find these in the app by tapping the "$" icon on the home screen, selecting "Direct Deposit," and then tapping "Get Account Number." Cash App will display your unique account and routing numbers, which you can provide to your employer, the IRS for tax refunds, or the Social Security Administration for benefit payments.

Note that your Cash App account number is different from your $Cashtag (your username). When providing banking information, always use the routing number and account number displayed in the Direct Deposit section of the app — not your $Cashtag — to ensure payments are routed correctly. If you want to understand the difference between this and a traditional bank account, our guide on what a checking account is explains how traditional banking compares. You can also use your Cash App routing number to receive your IRS tax refund via direct deposit.

Whether your Cash App balance is FDIC insured depends on how you hold your funds and whether you have enabled direct deposit on your account. Cash App has stated that funds held in eligible Cash App accounts are FDIC-insured up to $250,000 per depositor through its FDIC-member bank partners when direct deposit is enabled, though you should review Cash App's current terms and conditions and verify with the CFPB's resources for the most current information. The FDIC does not directly insure money held in accounts at non-bank payment apps — insurance depends on the pass-through arrangement with the partner bank.

If you do not have direct deposit enabled, FDIC insurance eligibility may not apply to your Cash App balance in the same way. The CFPB recommends that consumers using non-bank payment apps understand how — and whether — their funds are protected, because the protections differ from those of a traditional FDIC-insured checking account. Understanding how many bank accounts you should have can help you decide whether to supplement your Cash App use with a traditional bank for higher-value funds.

As a money services business, Cash App is subject to federal and state regulations governing money transmission, including anti-money laundering (AML) requirements enforced by the Financial Crimes Enforcement Network (FinCEN). The CFPB also has supervisory authority over large payment apps, and the Electronic Fund Transfer Act (EFTA) provides certain protections for unauthorized transfers from your account.

If you notice unauthorized transactions on your Cash App account, report them to Cash App support immediately and follow up with the CFPB if you believe your complaint is not resolved appropriately. You can submit a complaint at consumerfinance.gov. Protect your account by enabling two-factor authentication, never sharing your PIN or one-time passcodes, and only sending money to people you know and trust. If you ever need to recover access to a locked account, our guide on what to do if you forgot your Cash App PIN walks through the steps. You should also be aware that getting money back on Cash App if scammed can be difficult, which is why prevention matters.