How to change your linked bank account on Cash App
To change the bank account connected to your Cash App, open the app, tap the profile icon in the top right corner, select Cash, then tap the linked bank name at the top of the screen. Choose Remove, confirm the removal, and then tap Add a Bank Account to link a new one. Cash App will ask for your routing and account numbers, which you can find on a check or by logging into your bank's website.
The process takes about five minutes, but Cash App may need one to two business days to verify the new account before you can send or receive money using it. During verification, Cash App deposits two small amounts (usually under $1 each) into your new account—you'll need to confirm those amounts in the app to complete the link. If verification fails, Cash App will tell you why and let you try again with a different account.
You can have only one bank account linked to Cash App at a time, so removing the old one is required before adding a new one. If you're switching banks because your old account is closed or compromised, remove it immediately to prevent failed transactions.
Key Takeaways
- Go to your profile, tap Cash, select your linked bank name, and choose Remove to disconnect your current account.
- Add a new bank account by entering your routing and account numbers, which appear on checks or in your bank's online portal.
- Cash App verifies new accounts by depositing two small test amounts that you must confirm in the app within a few days.
- You cannot have two bank accounts linked at once, so the old one must be removed before the new one is added.
- If verification fails, Cash App explains the reason and allows you to try again with a different account or bank.
Where to find your routing and account numbers
Your routing number is a nine-digit code that identifies your specific bank branch. Your account number is unique to you and typically eight to twelve digits long. Both appear on the bottom left of any check you have from that account—the routing number comes first, then your account number.
If you don't have checks, log into your bank's website or mobile app and look for account details, account information, or settings. Most banks display both numbers there. You can also call your bank's customer service line and ask them to read you both numbers over the phone. Write them down carefully, as entering them incorrectly will cause verification to fail.
What happens during the verification process
After you enter your routing and account numbers, Cash App sends two small deposits (usually between $0.01 and $0.99 each) to your new account. These deposits appear in your bank account within one to two business days. Once you see them, return to Cash App, tap your linked bank account, and enter the exact amounts of both deposits.
If the amounts match, Cash App confirms the account is real and belongs to you. Your new bank account is then active and ready to use for sending money, requesting money, or cashing out your Cash App balance. If you enter the wrong amounts or don't confirm them within a certain window, verification fails and you'll need to start over with a new account link.
Verification can fail if the account number or routing number was entered incorrectly, if the account is closed, or if the bank flags the deposit as suspicious. Cash App will show an error message explaining what went wrong. In most cases, you can remove the failed account and try again with the correct information or a different account.
Why you might need to change your bank account
The most common reason is switching to a new bank or credit union. If you've moved, changed jobs, or found a bank with better fees or features, you'll need to update Cash App to keep sending and receiving money smoothly.
You may also need to change your account if your current one is compromised—for example, if you suspect fraud or someone else has access to it. Removing the old account from Cash App prevents unauthorized transactions. If your account is closed by the bank, Cash App will eventually block it, but removing it yourself avoids confusion and failed payments.
Some people change accounts to separate their Cash App activity from their main checking account for privacy or budgeting reasons. Cash App allows you to switch as often as you need, though each new account requires verification.
What to do if verification fails or takes too long
If Cash App says verification failed, remove the account and try again. Make sure you're entering the routing and account numbers exactly as they appear—even one wrong digit will cause the verification to fail. Double-check both numbers against your checks or your bank's website before re-entering them.
If verification is taking longer than two business days, your bank may be processing the deposits slowly. Wait a few more days and check your bank account again. Some banks take up to five business days to show small deposits. Once you see both amounts, return to Cash App and confirm them.
If you've confirmed the correct amounts but Cash App still shows an error, the account may be flagged by your bank as high-risk. Contact your bank's customer service and ask if they've blocked deposits from Cash App. If they have, ask them to remove the block. Then try linking the account again in Cash App.
Removing a bank account without adding a new one
You can remove your bank account from Cash App without immediately linking a new one. Go to your profile, tap Cash, select your linked bank name, and choose Remove. Confirm the removal.
Once removed, you won't be able to cash out your Cash App balance to a bank account until you link a new one. You can still receive money and hold it in your Cash App balance, but you'll need to add a bank account before you can transfer it out. If you plan to use Cash App again later, you can add an account whenever you're ready.
Frequently Asked Questions
Can I have two bank accounts linked to Cash App at the same time?
No. Cash App only allows one linked bank account at a time. If you want to switch banks, you must remove the old account before adding a new one. The removal is instant, but the new account needs one to two business days to verify.
What if I enter the wrong routing or account number?
Verification will fail, and Cash App will show an error message. Remove the account and try again with the correct numbers. Check your checks or your bank's website to make sure you have the right digits before re-entering them.
How long does it take to verify a new bank account?
Verification usually takes one to two business days. Cash App deposits two small amounts into your account, and once you see them and confirm the amounts in the app, your account is active. In rare cases, it can take up to five business days if your bank processes deposits slowly.
Can I change my bank account if I have a pending transaction?
It's best to wait until pending transactions complete before removing your bank account. If you remove it while a transaction is processing, that transaction may fail. Once all transactions are done, you can safely remove the old account and add a new one.
What happens to my Cash App balance if I remove my bank account?
Your Cash App balance stays in your account. Removing your bank account only disconnects the link between Cash App and your bank—it doesn't affect the money in your Cash App wallet. You can still receive money and hold it there, but you won't be able to cash out to a bank until you link a new account.