Add your bank account in three steps
Open Cash App and tap the profile icon in the bottom right corner. Select "Linked Bank Accounts," then tap the plus sign to add a new account. Cash App will ask for your bank's routing number and your account number — both appear on a check, or you can find them by logging into your bank's website. Enter those details, confirm your bank name, and Cash App will verify the connection by depositing two small amounts (usually under a dollar each) into your account within one to two business days.
Once those deposits arrive, go back to Cash App and enter the exact amounts to confirm ownership. After verification, your bank account is linked and ready to use for transfers, direct deposit, or paying bills through the app.
Key Takeaways
- You need your routing number and account number from a check or your bank's website to link an account.
- Cash App verifies the connection by sending two small test deposits that you must confirm within the app.
- Verification usually takes one to two business days, and you cannot use the account for transfers until it is confirmed.
- You can link multiple bank accounts to a single Cash App profile and switch between them for different transactions.
- If verification fails after three attempts, contact Cash App support or try a different bank account.
Where to find your routing and account numbers
The easiest place to locate both numbers is a blank check from your checkbook. Look at the bottom left of the check: the first set of nine digits is your routing number, and the second set (usually longer) is your account number. If you do not have checks, log into your bank's website or mobile app — most banks display both numbers in the account details or settings section, sometimes labeled "Account Information" or "Bank Details."
Some banks also print these numbers on statements or deposit slips. If you cannot find them online or on paper, call your bank's customer service line and ask for your routing number and account number. Have your account holder name and account number ready when you call, and the bank will provide both numbers immediately.
What happens during the verification process
After you enter your routing and account numbers, Cash App submits the information to your bank. Within one to two business days, two small deposits (typically between $0.01 and $0.99 each) will appear in your account. These are not real money — they are test deposits that prove you own the account.
Return to Cash App and tap "Confirm Deposits" under your linked account. Enter the exact amounts of both deposits as they appear in your bank account. Once you enter them correctly, Cash App marks the account as verified and you can immediately begin transferring money to and from that account. If you enter the amounts incorrectly, you have two more attempts before Cash App locks you out and asks you to try a different account or contact support.
Linking multiple bank accounts
Cash App allows you to link more than one bank account to the same profile. Each account must go through the same verification process with the two test deposits. This is useful if you have accounts at different banks or want to keep business and personal accounts separate within the app.
To switch between linked accounts, tap the profile icon, select "Linked Bank Accounts," and choose which account you want to use for your next transfer. The app remembers your most recent choice, so if you use one account frequently, you will not need to change it every time.
Why verification might fail and what to do
Verification fails most often because the routing number or account number was entered incorrectly. Double-check both numbers against your check or bank website before trying again. If you entered them wrong, Cash App lets you try up to three times total before locking the account from further attempts.
Verification can also fail if your bank does not support Cash App connections, though this is rare with major U.S. banks. If you have tried three times and the deposits never arrived, or if you entered the deposit amounts correctly but Cash App rejected them, contact Cash App support through the app. Tap your profile icon, scroll to "Support," and select "Account & Settings." Describe the problem and Cash App will investigate or suggest linking a different account.
Security and what Cash App can see
Linking your bank account to Cash App requires you to share your routing number and account number, but not your PIN or online banking password. Cash App uses industry-standard encryption to protect this information and does not store your account credentials on its servers.
Once linked, Cash App can only move money in and out of the account — it cannot see your balance, transaction history, or other details. Your bank controls what Cash App can do, and you can unlink the account at any time by going to "Linked Bank Accounts" and selecting "Remove" next to the account name. Removing the account does not affect your bank account itself, only the connection between Cash App and that account.
Frequently Asked Questions
How long does it take to link a bank account?
The entire process usually takes one to two business days. Entering your information takes seconds, but the two test deposits must clear through your bank before you can confirm them. Weekends and bank holidays can add time, so plan for up to three business days if you are linking on a Friday.
Can I use my bank account before verification is complete?
No. You cannot transfer money to or from the account until you have confirmed both test deposits. The account appears in your linked list during verification, but it is marked as unconfirmed and cannot be selected for transactions.
What if I do not see the test deposits after two days?
Check your bank account directly to make sure the deposits arrived — sometimes they appear in pending transactions before they fully clear. If two business days have passed and you still do not see them, contact Cash App support and provide your bank name and account type. They can resend the deposits or help troubleshoot why your bank rejected them.
Can I link a joint bank account?
Yes, as long as your name appears on the account. Cash App does not verify whose name is on the account, only that the routing and account numbers are correct. If the account is in someone else's name only, linking it may cause problems later if Cash App or your bank questions the mismatch.
What happens if I unlink my bank account?
Unlinking stops Cash App from accessing that account, but it does not affect your bank account or any money already transferred. If you had a pending transfer when you unlinked, that transfer may fail or be cancelled depending on its status. You can relink the same account later and go through verification again.