What Bank Does Cash App Use for Withdrawals?

At a Glance
  • Cash App is not a bank but partners with Sutton Bank and Lincoln Savings Bank. Sutton Bank issues the Cash Card for ATM withdrawals and purchases, while Lincoln Savings Bank handles direct deposits and withdrawals.
  • Users can find their account and routing numbers within the app. Cash App ensures security through encryption and fraud detection, and funds are FDIC-insured up to $250,000 through its partner banks.
  • Users don't need to link an external bank account to use Cash App. Services like transferring and receiving funds, and using the Cash Card, are available without linking to another bank.

Cash App, a popular mobile payment service, offers numerous features similar to a traditional bank. You may wonder which bank supports it and how payments work within the app.

What is Cash App?

This guide will explore these topics, including which banks Cash App partners with, its FDIC insurance status, and direct deposit options.

What Bank Does Cash App Use?

Although Cash App itself isn’t a bank, it operates its services through partnerships with Sutton Bank and Lincoln Savings Bank. This allows each Cash App user to receive unique account and routing numbers, much like a traditional bank account.

Additionally, funds in your Cash App account are held by its partner banks, which are FDIC-insured up to $250,000 per depositor, providing the same protection you’d expect from a bank.

These banks serve different roles: Lincoln Savings Bank handles Cash App’s direct deposits and withdrawals while Sutton Bank is responsible for issuing the Cash Card, which enables users to make purchases and withdraw from ATMs.

How to Find My Banking Details on Cash App?

While you might not require your account and routing numbers frequently, you can find them if necessary. Remember that Cash App does not store or show your complete bank account information for security purposes. Follow these steps to locate your routing and account number:

  1. Tap on “Account and Routing” beside your Cash Balance.
  2. A page will appear displaying your account and routing numbers.
Accessing your Banking Details on Cash App

To find your bank’s name, copy your account’s routing number and search it in Google. Below are the routing numbers for the partner banks:

  • Sutton Bank: 041215663
  • Lincoln Savings Bank: 073905527

FAQs

[wsfq]Do you need to link a bank account to Cash App to use its services?[/wsfq] [wsfa]No, you don’t need any additional banking details to use Cash App for sending and receiving funds. While you can link an external bank account, it is not necessary as you can make purchases or withdraw via the Cash Card.
[wsfq]What bank issues Cash App debit card?[/wsfq] [wsfa]Sutton Bank is responsible for issuing Cash App’s Visa debit card.
ABOUT THE AUTHOR

Muhammad Qasim


Qasim's deep love for technology and gaming drives him to not only stay up-to-date on the latest developments but also to share his informed perspectives with others through his writing. Whether through this or other endeavors, he is committed to sharing his expertise and making a meaningful contribution to the world of tech and gaming.