What Bank does cash app use for direct deposit

If you’re a Cash App user who enjoys seamless direct deposits, you might be curious about the bank making it possible. The answer involves a partnership between two banks – let’s explore!

Cash App’s Direct Deposit Partners

Cash App works with two FDIC-insured banks to bring you direct deposit:

  • Lincoln Savings Bank: This is the bank that directly handles your incoming deposits. They provide your unique Cash App routing and account numbers, which you’ll share with your employer or payer.
  • Sutton Bank: Sutton Bank supports Cash App’s overall financial features, including their debit card (Cash Card) and transactions within the app.

How Direct Deposit Works with Cash App

  1. Set Up: In your Cash App, locate your routing and account numbers (find them under the “Banking” tab). Give these to your employer or payer.
  2. Receive Funds: Expect your paycheck or benefits to arrive within 1-3 business days, based on your employer’s payroll schedule (and any bank holidays).

Why Use Cash App for Direct Deposit?

  • Convenience: Forget trips to the bank – your money flows straight to your Cash App balance.
  • Speed: No waiting on a check, funds often arrive quickly.
  • Access: Your balance is instantly ready for transfers, payments, or other Cash App features.


Cash App’s team-up with Lincoln Savings Bank (and their broader partnership with Sutton Bank) gives you a secure and efficient way to handle direct deposits. Now you know where those paycheck funds land!

With its user-friendly interface, fast processing times, and FDIC insurance, Cash App offers a reliable direct deposit solution for individuals seeking a modern and efficient way to manage their finances.

Rudra is an author and popular YouTuber whose content expertly blends his passions for technology, personal finance, and the exciting world of video games.