How to change your linked bank account on Cash App
Open Cash App and tap the profile icon in the bottom right corner. Select "Linked Bank Accounts" or "Linked Cards," then tap the account you want to remove. Choose "Remove This Bank Account" and confirm. Once removed, tap the plus icon to add a new bank account, enter your routing and account numbers, and verify the two small deposits Cash App sends to your account within one to two business days.
The entire process takes about five minutes if you have your new bank details ready. Verification of the new account adds one to two business days. During that waiting period, you can still send and receive money using any other linked account or your Cash App balance.
Key Takeaways
- Removing an old account and adding a new one both happen in the same menu under your profile settings.
- Cash App verifies new bank accounts by sending two small deposits you must confirm the amounts of, which takes one to two business days.
- You can keep multiple bank accounts linked at once, so you do not have to remove the old one before adding a new one.
- If you change accounts because of fraud or a compromised card, remove the old account immediately and report the issue to your bank as well.
Why you might need to change your linked bank account
You may need to change your account if you closed the old bank, switched banks, opened a new checking account, or suspect fraud on the linked account. Cash App lets you keep multiple accounts linked at the same time, so you can add a new one without immediately removing the old one—useful if you want to test the new account first or phase out the old one gradually.
If you are changing accounts because of fraud or unauthorized activity, remove the compromised account right away and contact your bank directly. Your bank can freeze the account, dispute charges, and issue a new card or account number. Cash App's fraud protections cover the app side, but your bank handles the account itself.
Step-by-step: removing your current bank account
Tap your profile icon (the circle in the bottom right of the Cash App home screen). Scroll down and select "Linked Bank Accounts" or "Linked Cards," depending on what you see. You will see a list of all accounts currently connected to Cash App.
Tap the account you want to remove. A menu will appear with options including "Remove This Bank Account." Tap that option and confirm when Cash App asks you to verify the removal. The account is then disconnected from Cash App immediately, though your bank account itself remains open and unaffected.
If you have pending transfers to or from that account, Cash App will warn you before letting you remove it. Complete or cancel those transfers first, then remove the account.
Step-by-step: adding a new bank account
From the same "Linked Bank Accounts" menu, tap the plus icon or "Add Bank Account." Cash App will ask for your account holder name, routing number, and account number. You can find these on a check, your bank's website, or by calling your bank's customer service line.
Enter the information carefully—a wrong routing or account number will cause verification to fail. Tap "Add" when you are done. Cash App will then send two small deposits (usually under one dollar each) to your new account within one to two business days.
Once the deposits arrive, Cash App will prompt you to enter the exact amounts. You must confirm both amounts correctly to complete verification. After that, the account is fully linked and ready to use for transfers and direct deposits.
What to do if verification fails or takes too long
If you enter the wrong amounts when confirming the deposits, Cash App will let you try again. You have a limited window (usually 10 days) to confirm the amounts before Cash App cancels the verification process. If that happens, you can add the account again and request new verification deposits.
Verification typically takes one to two business days, but can take longer if your bank processes deposits slowly or if there is a holiday. If more than two business days have passed and you have not seen the deposits, check your bank account directly to confirm they arrived—sometimes they post but Cash App does not immediately reflect them. If the deposits never arrive, remove the account from Cash App and try adding it again.
Contact Cash App support through the app if verification fails repeatedly. Tap your profile icon, scroll to "Support," and describe the problem. Cash App support can sometimes manually verify an account or troubleshoot why deposits are not arriving.
Keeping multiple accounts linked at once
Cash App lets you link more than one bank account simultaneously. This is useful if you want to keep a backup account active, split transfers between accounts, or test a new account before fully switching over. Each account appears in your "Linked Bank Accounts" list with the last four digits displayed.
When you send money or set up a direct deposit, Cash App will ask which linked account you want to use. You can change your default account in settings, but you can always override it for individual transactions. This flexibility means you do not have to remove an old account the moment you add a new one.
Security steps when changing accounts
If you are changing accounts because of fraud, unauthorized access, or a compromised card, take these steps in order: first, remove the compromised account from Cash App immediately. Second, contact your bank and report the fraud—your bank can freeze the account, dispute unauthorized charges, and issue a new account number or card. Third, change your Cash App password and enable two-factor authentication if you have not already.
Do not assume that removing the account from Cash App stops the fraud. Your bank account exists independently of Cash App, so your bank must take action to protect it. Cash App can reverse fraudulent transactions within the app, but your bank controls the underlying account. Report to both.
Frequently Asked Questions
Can I change my bank account without removing the old one first?
Yes. Add the new account through the plus icon in "Linked Bank Accounts," complete verification, and then remove the old account whenever you are ready. You can keep both linked at the same time and choose which one to use for each transaction.
How long does it take to verify a new bank account?
Cash App sends two small deposits within one to two business days. Once they arrive, you confirm the amounts and verification is complete—usually the same day. Total time is typically one to three business days from when you add the account.
What if I enter the wrong routing or account number?
Verification will fail when you try to confirm the deposit amounts. You can add the account again with the correct information and request new verification deposits. There is no penalty for trying again.
Can I use Cash App while waiting for a new account to verify?
Yes. If you have another linked account or a Cash App balance, you can send and receive money using those. The new account will not be ready until verification is complete, but your other payment methods work normally.
What should I do if my account was compromised?
Remove the account from Cash App immediately, then call your bank to report fraud. Your bank will freeze the account, dispute unauthorized charges, and issue a new account number. Change your Cash App password and enable two-factor authentication. Report to both Cash App and your bank—they handle different parts of the problem.