We’ve already established that Cash App is not a bank, but thanks to its banking partners, it does come with a bank account.
As a result, you will be given a Cash App routing and account number. We’ll show you where to find yours so you can make payments, transfer money, or set up direct deposit. Check out the details!
Overview of Cash App
Cash App is a peer-to-peer money transfer app and financial services platform. It enables you to easily transfer money to other Cash App users as well as invest in stocks and bitcoin.
Cash App is not a financial institution. Instead, it is a platform that collaborates with banks and other financial institutions to make transactions possible.
You can set up direct deposit for your paycheck, other checks, and tax return as a Cash App user.
To set up your direct deposit, you will need some important information about your Cash App account, such as your Cash App routing and account numbers. Here’s how to locate them.
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How Do You Find Your Cash App Routing Number and Account Number?
While Cash App is not a bank, it works with two FDIC-insured banking partners to provide basic financial services: Sutton Bank, which is in charge of the Cash Card, and Lincoln Savings Bank, which is in charge of direct deposits.
Depending on where you live, your Cash App account will use one of these two banks’ routing numbers.
Lincoln Savings Bank’s Cash App routing number is 073923033. This routing number is used by Lincoln Savings Bank for partnerships with financial apps and platforms such as the Acorns investing app and Qapital.
For non-Fedwire payments, Sutton Bank’s routing number is 041215663.
To locate your Cash App routing and account numbers, follow these steps:
- Select the “Money” tab from the Cash App’s home screen. Your account balance will be displayed.
- Tap the routing and account numbers to the right of your account balance.
- Copy or write down your account and routing numbers using the Cash App options.
What if You Don’t Have a Routing Number in the Cash App?
If you’ve followed the steps above and still can’t find a routing number, it’s probably because your account doesn’t have a Cash App Cash Card activated.
To set up direct deposit, you must have a Cash Card that is enabled. The Cash Card is a no-cost Visa debit card linked to your Cash App balance.
Cash App is where you can order a Cash Card. After receiving and activating your Cash Card, you should be able to repeat the above steps to locate your routing and account numbers and set up your direct deposit.
How Do You Set Up Direct Deposit for the Cash App?
Fill out a Cash App direct deposit form and email it back to Cash App to set up a direct deposit for your paycheck.
To obtain and submit a Cash App direct deposit form, follow these steps:
- On the Cash App home screen, tap the “Money” tab.
- Click on “Direct Deposit.”
- Click on “Get Direct Deposit Form.”
- Fill out all of the required information and sign your name.
- Tap “Email Form” and enter the recipient’s email address before tapping “Send” to send it.
You will not need to fill out a form on Cash App for other types of deposits, such as a direct deposit for your tax return. You will instead give the other party your Cash App routing and account numbers.
To have your tax refund deposited directly into your Cash App account, for example, enter your Cash App routing number and account number when prompted during the tax return filing process.
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Takeaway
Aside from setting up direct deposit, you’re unlikely to need your Cash App routing number for anything else.
However, if the need arises to have a check or payment directly deposited, you can provide your Cash App routing number and account number for a simple transfer into your account.
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