If you're using Cash App for direct deposits, wire transfers, or other banking transactions, you've probably wondered: what is Cash App's official bank name? Unlike traditional banks, Cash App is a payment app, not a bank itself. Understanding which bank actually holds your funds is essential for completing various financial transactions.
Note: We're collecting and maintaining this banking information to keep our Cash App profile comprehensive and up-to-date. As Cash App continues to evolve its banking partnerships and services, having accurate bank details helps users navigate direct deposits, transfers, and account verification processes more easily.
What is Cash App's Bank Name?
Cash App partners with Sutton Bank and Lincoln Savings Bank to provide banking services to its users. These FDIC-insured banks hold Cash App customer deposits and enable features like the Cash Card, direct deposits, and banking services.
The specific bank name you'll need depends on when you opened your Cash App account:
- Sutton Bank - For most Cash App accounts opened after 2020
- Lincoln Savings Bank - For some older Cash App accounts
Both banks are legitimate financial institutions that provide the infrastructure for Cash App's banking features, ensuring your deposits are FDIC-insured up to $250,000.
Where to Find Official Bank Information on Cash App's Website?
You can verify Cash App's banking partner information directly on their official website. Look at the footer section of cash.app (the official Cash App website) where you'll find important legal and banking disclosures.
The footer typically contains details about:
- Partner bank names (Sutton Bank and Lincoln Savings Bank)
- FDIC insurance information
- Banking service disclosures
- Regulatory information
This footer information confirms the official banking partnerships and provides transparency about which institutions hold customer deposits. Always verify banking details from official sources like the Cash App website or directly within your Cash App account.
Why Does the Bank Name Matter?
Knowing your Cash App bank name is crucial for several situations:
Direct Deposit Setup: When setting up direct deposit with your employer or government benefits, you'll need to provide your employer with the bank name, routing number, and account number associated with your Cash App account.
Wire Transfers: Receiving wire transfers requires the official bank name. Using "Cash App" as the bank name may cause your transfer to be rejected.
Tax Documents: Your bank statements and tax documents will show the official bank name, not "Cash App."
Account Verification: Some services require official bank information for verification purposes.
How to Find Your Cash App Bank Information
To locate your specific bank name, routing number, and account number:
- Open the Cash App on your mobile device
- Tap the Banking tab ($ icon) at the bottom
- Select Direct Deposit or Get Account Number
- Your routing number, account number, and bank name will be displayed
The routing number can also help you identify your bank:
- Sutton Bank routing number: 041215663
- Lincoln Savings Bank routing number: 073923033
Cash App Bank Profile: Key Information
As we compile comprehensive profiles for digital payment platforms, here's the essential banking information for Cash App:
Partner Banks:
- Sutton Bank (primary)
- Lincoln Savings Bank (legacy accounts)
FDIC Insurance: Yes, up to $250,000 per depositor
Bank Type: Partner bank model (fintech + traditional bank partnership)
Routing Numbers:
- Sutton Bank: 041215663
- Lincoln Savings Bank: 073923033
Banking Features: Direct deposit, Cash Card (debit card), savings accounts, early paycheck access
This information forms part of our ongoing effort to maintain accurate, detailed profiles of neobanks and payment apps, helping users understand how their digital financial services actually work.
Cash App vs. The Actual Bank: What's the Difference?
It's important to understand that Cash App is a financial technology (fintech) platform, while Sutton Bank and Lincoln Savings Bank are the actual banks holding your money. Think of it this way:
- Cash App = The app interface and payment platform you use daily
- Sutton Bank/Lincoln Savings Bank = The FDIC-insured institution that holds your deposits
This partnership model is common in the fintech industry. Apps like Cash App, Venmo, and Chime partner with established banks to offer banking services while maintaining their user-friendly interfaces.
Setting Up Direct Deposit to Cash App
To receive your paycheck or benefits via Cash App, provide your employer with:
- Bank Name: Sutton Bank or Lincoln Savings Bank (as shown in your app)
- Routing Number: 041215663 (Sutton Bank) or 073923033 (Lincoln Savings Bank)
- Account Number: Your unique account number from the Cash App
Many employers process direct deposits 1-2 days before payday when you use Cash App, giving you early access to your funds.
Is Your Money Safe?
Yes. Since Sutton Bank and Lincoln Savings Bank are FDIC-insured institutions, deposits in your Cash App account are protected up to $250,000 per depositor, just like any traditional bank account. This means even if Cash App or the partner bank were to fail, your deposits would be protected by federal insurance.
Common Issues and Solutions
My employer can't find the bank name: Make sure you're providing "Sutton Bank" or "Lincoln Savings Bank" exactly as it appears in your Cash App banking information, not "Cash App" or "Cash App Bank."
Wire transfer was rejected: Double-check that you provided the correct bank name, routing number, and account number. Even small errors can cause rejections.
Routing number doesn't match: If you've had your Cash App account for many years, you might have a Lincoln Savings Bank routing number while newer information shows Sutton Bank. Always use the information currently displayed in your app.
Final Thoughts
Understanding that Cash App partners with Sutton Bank or Lincoln Savings Bank for its banking services helps you navigate direct deposits, wire transfers, and other financial transactions smoothly. Always refer to the banking information directly from your Cash App account to ensure accuracy, as using the wrong bank name or routing number can delay important payments.
Whether you're setting up direct deposit for the first time or troubleshooting a payment issue, knowing your Cash App bank name is an essential piece of information for managing your digital finances effectively.
As we continue to build comprehensive profiles of digital banking platforms, this information ensures that users have access to accurate, reliable details about how their favorite payment apps operate and which institutions safeguard their funds.