What Bank is Cash App? Learn More Here

Have you ever wondered about the powerhouse behind your favourite money-sending app? The answer might surprise you. When it comes to Cash App, the question on many minds is: ‘What bank is Cash App?’

Get ready for a revealing journey into digital finance as we unveil the bank that powers Cash App and explore the implications for users like you. If you’ve ever sent, received, or considered using Cash App, you won’t want to miss this insightful exploration. Let’s unravel the mystery together!

What Bank is Cash App

What Bank is Cash App?

Cash App is a company that provides a range of financial solutions, such as mobile payments, fund transfers, direct deposits, and investment opportunities. Cash App is not a bank but partners with two banks to offer its banking services.

When you use Cash App for banking services, your money is held in an account at Lincoln Savings Bank or Sutton Bank, depending on your service.

Which Bank Does Cash App Use?

Cash App uses two banks:

  • Lincoln Savings Bank: This bank is responsible for Cash App’s direct deposit and money transfer services. Lincoln Savings Bank is a Federal Deposit Insurance Corporation (FDIC) member, meaning that deposits of up to $250,000 per depositor are insured.
  • Sutton Bank: This bank is responsible for issuing the Cash App debit card. Sutton Bank is also a member of the FDIC.

What Bank is Cash App on Plaid?

Cash App uses Lincoln Savings Bank as its main bank to connect with Plaid. This means that when you use Plaid to link your bank account to Cash App, your account information is securely shared with Lincoln Savings Bank.

Plaid is a fintech company that provides APIs that allow apps and websites to connect to bank accounts. Plaid is used by various financial services providers, including Cash App, to help streamline linking bank accounts and facilitating transactions.

Is Cash App a Sutton Bank?

No, Cash App is not a Sutton Bank. The company offers various financial services, including mobile payments, money transfers, direct deposit, and investing.

Is Cash App Owned By a Bank?

No, Cash App is not owned by a bank. It is owned by Block, Inc., a financial technology company that delivers various financial services, including payment processing, point-of-sale systems, and loans. Block, Inc. was formerly known as Square, Inc.

Cash App partners with banks to offer its banking services.

Is Cash App a Sutton Bank or Lincoln Bank?

Cash App is neither a Sutton Bank nor a Lincoln Savings Bank. It is a financial technology company that partners with both banks to offer its services. When utilizing Cash App for banking services, your funds are deposited in an account either at Lincoln Savings Bank or Sutton Bank, depending on the service you’ve chosen.

Where is the Cash App Bank Located?

Cash App does not have its bank. It partners with Lincoln Savings Bank and Sutton Bank to offer its services. Lincoln Savings Bank is located in Waterloo, Iowa while Sutton Bank is located in Attica, Ohio.

However, Cash App is a mobile-first financial services company, so you do not need to visit a physical bank branch to use its services. You can manage your account and complete all transactions through the Cash App app.

What ATMS Does Cash App Use?

Cash App does not have an ATM network, so users can withdraw cash from any ATM that accepts Visa or Mastercard. However, some ATMs offer Cash App users fee-free withdrawals.

  • In-network ATMs

In-network ATMs have partnered with Cash App to offer fee-free withdrawals to Cash App users. You can use the ATM finder in the Cash App app to find an in-network ATM.

  • Out-of-network ATMs

Out-of-network ATMs are ATMs that have not partnered with Cash App. Cash App users will be charged a $2.50 fee for withdrawing cash from an out-of-network ATM. Some out-of-network ATMs may also charge their fees.

How to Withdraw Cash From an ATM Using Cash App

To withdraw cash from an ATM using Cash App, follow these steps:

  • Insert your Cash App debit card into the ATM.
  • Enter your PIN.
  • Select “Withdraw Cash”.
  • Enter the amount of cash you want to withdraw.
  • Review the transaction and select “Yes”.

Take your cash and card.

How Do I Link My Plaid to the Cash App?

To link your Plaid to Cash App, you will need to:

  • Open the Cash App app and tap on the Banking tab.
  • Tap on Add Bank Account.
  • Select Link with Plaid.
  • Enter your bank account details and adhere to the instructions.

Plaid will then verify and connect your bank account information to Cash App. Once linked, you can utilize the Cash App to send and receive money, settle bills, and conduct transactions.


Finally, in the exploration into the question, ‘What bank is Cash App?’ we’ve uncovered the key to this popular mobile payment service’s seamless operation. Cash App relies on its partner bank to handle the crucial financial underpinnings, ensuring your transactions are safe and secure.

Understanding the bank behind Cash App gives you a deeper appreciation for the robust financial infrastructure that supports your digital payments. Whether you’re a satisfied Cash App user or just beginning to explore its convenience, this knowledge empowers you to make informed choices.