Cash App Check Deposit: How It Works

Cash App's mobile check deposit feature is not available to all users — it is gradually rolled out to eligible accounts based on factors Cash App does not fully disclose publicly. To check whether you have access, open the Cash App, tap the "$" icon at the bottom of the screen, then select "Paper Money" or "Deposit a Check." If the feature is not available on your account, you will not see the check deposit option.

Cash App is a product of Block, Inc. (formerly Square, Inc.). Cash App's bank services, including the Visa debit card and deposit features, are provided through partner banks. Funds deposited into Cash App are FDIC insured up to applicable limits when held through Cash App's partner bank.

If check deposit is available on your account, follow these steps to deposit a paper check:

1. Open Cash App: Launch the app and tap the "$" icon at the bottom center of the screen.
2. Select "Deposit Check" or "Paper Money": Look for the check deposit option in the Banking tab.
3. Endorse the check: Sign the back of the check in the endorsement area. Some checks may require you to write "For Mobile Deposit Only" below your signature — the app may instruct you on this. Learn the full process in our guide on how to endorse a check.
4. Take photos: Follow the prompts to photograph the front and back of the check. Use good lighting and place the check on a flat, plain background.
5. Enter the amount: Type in the exact dollar amount of the check when prompted.
6. Submit and confirm: Review the details and submit the deposit. Retain the physical check until the deposit is confirmed and the funds are fully available.

Cash App may impose daily and weekly check deposit limits, which can vary by account and verification status. The app will display your current limits within the check deposit screen. Fully verified accounts — those with identity verification completed — typically have higher deposit limits than unverified accounts.

Processing times for Cash App check deposits may vary. Standard deposits may take one to five business days for funds to become available, though some checks may be held longer depending on the check type, amount, or account history. Cash App may offer faster availability for some checks. For a comparison, see how fast Cash App deposits checks. You will receive a notification in the app when the funds are credited to your balance.

Cash App may reject a deposited check for several reasons, including image quality issues (blurry, poorly lit, or cropped photos), missing or incomplete endorsement, an unsigned check, a check that has already been deposited elsewhere, or a check type that is not accepted. Starter checks, foreign checks, checks made out to someone other than the account holder, and money orders are typically not accepted through mobile deposit.

If your check is rejected, you will receive a notification explaining the reason when possible. In many cases you can retake the photos or correct the issue and resubmit. If the check cannot be deposited through Cash App, consider depositing it at a physical bank branch, an ATM that accepts check deposits, or using your bank's own mobile deposit feature if available. You can also learn how to fill out a deposit slip for traditional branch deposits.

Cash App implements standard security features including PIN entry, fingerprint authentication, and face ID to protect your account. You should only use the official Cash App from the Apple App Store or Google Play Store — do not download apps from unofficial sources or click links in unsolicited texts or emails claiming to be from Cash App.

If you believe an unauthorized transaction has occurred in your account, contact Cash App support through the official app immediately. For unresolved disputes, you may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. Cash App is not a traditional bank, so consumer protections may differ from those at FDIC-member bank accounts in some circumstances. If you've been scammed, read about how to get money back on Cash App if scammed.