The Cash Card makes using your Cash App balance at your favorite stores easy, but how do you put money on it?
There are these methods I tested to add money to your Cash App card balance:
- A linked bank account
- A linked debit card
- Direct deposit
- Paper money
- A check (only for some users)
- Making a transfer from another user
Cash App may not be a traditional bank with physical locations and ATMs scattered across America, but they do their best to combat this by integrating a lot of popular traditional bank features into their platform.
Most people would assume that online banks can only be funded through other banks.
Cash App proves otherwise by providing their customers with an easy way to add cash from their wallets into their Cash App balances.
Checks can be deposited into Cash App as well, but only for certain users.
I personally don’t have the capability myself, as it is only available for a select group of Cash App users at the moment, but I’ve found Cash App’s terms and conditions for the feature confirming its existence.
There are the normal online bank ways of funding the account too though.
You can always receive a transfer from another user on Cash App, getting the funds in your account right after the transfer was made.
Another easy way to put money on your Cash App Card is to send money from one of your linked bank accounts.
If you’re one of the millions of people who use both a traditional bank and an online bank, like Chase Bank and Cash App, you can send funds from your checking account to your Cash App account for free. It usually only takes a few business days for the funds to arrive.
Or, you can skip having another checking account altogether and send your direct deposit paycheck straight to Cash App. Once you get your Cash App Cash Card, Cash App will give you your account’s routing and account numbers to receive direct deposits.
How to Put Money on Cash App through a Linked Bank Account
Linking your bank account to Cash App is one of the smartest and simplest ways to fund your Cash Card.
Transferring funds from one account to the other is free and you can do it from the comfort of your home, initiating everything from the app.
To link your bank account to Cash App, you will need your bank account’s account and routing numbers.
They can usually be found on your monthly bank statements or on your bank account’s app.
Once you have your bank account’s information, head to Cash App. Click on your profile in the upper right hand corner of the screen and scroll down to the “Account and Settings” portion of the profile page.
Click on Linked Banks to check on banks you currently have linked and to link new ones. You can also link and unlink debit cards from this page as well.
Cash App partners with Plaid to link their customer’s bank accounts to their platform.
Plaid is probably the most popular account linking service on the market, working with huge fintech companies like Cash App, Paypal, Venmo, and Chime to link accounts securely.
By linking your bank account to Cash App through Plaid, Plaid will have access to your login details and data collected from your accounts.
They do this to make sure you have enough money to complete your transactions and prevent fraud, among other reasons.
Plaid enables you to login to your bank account through your bank account’s online platform — think Chase.com for Chase users.
After you’ve entered your normal login and password to your bank account and given them permission to work with Plaid, your account will be linked to Cash App.
Now to add cash to your Cash Card, all you have to do is click “Add Cash” on the home screen of Cash App.
Pretty handy name for a button isn’t it?
How to Put Paper Money on Cash App Card
People usually assume that online banks and online fintech companies can’t accept paper money. It makes sense, how does a company without any physical locations accept something?
Cash App and other online banks combat this problem by partnering with businesses that already have physical locations to accept their customers’ cash deposits.
Businesses across America have partnered with Cash App, giving users a lot of options to deposit their cash.
The process is easy too, all you need is the cash you want to deposit and your Cash App.
To deposit paper money into your Cash App account, open Cash App and head to the home screen.
Scroll down until you see a button titled “Paper Money” under the “More ways to add money” section of the home screen.
If you’ve never deposited paper money with Cash App, they’ll want to reconfirm your legal name, last four digits of your social security number, and your birthday.
Clicking on the Paper Money button will first have Cash App ask you for permission to your location.
If you say yes, they will automatically show you all the stores in your area that accept Cash App deposits.
If you say no, you can manually enter your location into their search bar and they will find you deposit locations from there.
Find the deposit location you’d like to head to through Cash App’s map.
For this article, I used Denver as an example. I’ll include some screenshots below, in them you can see Denver alone has over 30 locations for Cash App users to deposit their paper money.
Clicking on any of them will give you the store’s address as well as directions to the store from your current location, if you let Cash App have it. You can also copy the address using a handy button and paste it into your navigation app of choice.
Lastly, the screen will have a button that will generate a display of a unique barcode you need to make your deposit. There’s a limit to one barcode per transaction and the barcodes expire after 20 minutes.
The cashier at the store you go to will scan your barcode to connect their system to your Cash App account. After they do, they can accept your deposit and send the money straight to your Cash App Card.
There are some limits to cash deposits with Cash App as well as a $1 transaction fee. You are required to deposit a minimum of $5 to make a deposit and cannot deposit more than $500 in a single transaction. Cash App also has a weekly deposit limit of $1,000.
Their last cash deposit limit is one of $4,000 every 30 days, something to keep in mind if you have a decent chunk of change you’d like to put away.
Depositing cash with Cash App is relatively quick, easy, and cheap considering the company doesn’t have any physical locations themselves.
How to Put Money on Cash App Card through a Linked Debit Card
Earlier in the article, I went over a way to link your bank account to Cash App, giving you a quick and easy way to put money on your Cash Card.
Using a bank account is certainly a reliable method, but I think that using a debit card is an even safer one.
Debit cards are intended to act as a barrier between your account and the vendor trying to get funds from it.
Giving away your account’s account number and routing number is like giving direct access to everything in your account, while debit cards stand in the way of that access.
Linking a debit card to Cash App and getting funds from there is just as quick as getting funds from a bank account, in fact, it can be even faster through Cash App’s Instant Deposit feature. This feature is only available through a linked debit card.
With a linked debit card, you can deposit normally, moving your funds from Cash App to your checking account in about 1-3 business days, or you can use Instant Deposit and get them there… instantly!
Instant Deposit isn’t free though; Cash App charges a fee ranging from 0.5% to 1.75% with a $0.25 minimum. The funds will then arrive instantly to your debit card. If your debit card is linked to your bank account, the funds will settle there.
Adding a debit card to your Cash App account is the same as adding a bank account. Start by heading to your profile in the upper right hand corner of the app scrolling down to the “Linked Banks” button. Clicking on that will allow you to add a debit card.
You’ll need your debit card’s card number, expiration date, and security code to fully connect it with Cash App. Cash App may run a trial deposit and withdrawal to confirm the connection as well.
Once your debit card is connected you’re free to add cash to Cash App and send it right back to your debit card. You can always replace your debit card with another as well.
How to Put Money on Cash App Card through Direct Deposit
While some people may receive their direct deposit in their bank accounts and then move those funds over to their Cash Card, Cash App will allow you to move your direct deposit straight to them. They offer the service for free and you can set it up by yourself on the app.
To set up direct deposit through Cash App, you have to have the Cash Card.
Once you have the Cash Card, Cash App will give you a unique account and routing number that enables you to receive direct deposits.
Cash App can give you your account and routing number directly so you can set up direct deposit on your own, or they can send you a direct deposit form prefilled with your account’s information.
Enabling direct deposit with Cash App comes with some great benefits.
You can get your paychecks up to two days normally than earlier, depending on your payroll provider.
Once the funds are in your account they are yours to use through your Cash Card wherever Visa is accepted.
How to Put Money on Cash App Card through a Transfer from Another User
Most people may know Cash App as a transfer app and they wouldn’t exactly be wrong.
While Cash App has quickly become a fintech platform with a wide range of services, it started as a transfer app, allowing users to send each other money from their phones.
Receiving a transfer from another user is a great way to fund your Cash Card.
Transfers from one Cash App user to another are instant (and free), so once they hit send on their Cash App it will appear in your account.
If you have cash on you but you want to use your Cash Card, you could give it to a friend who has Cash App and they could send you the funds from their balance.
Anyway you receive transfers from other users on Cash App is free and the funds are immediately available to use on your Cash Card.
How to Put Money on Cash App Card through Mobile Check Deposit
Mobile check deposit has quickly become one of the fastest ways of getting a check into your checking account.
Just about every major bank offers the service, and fintech companies are right there with them.
Cash App offers the service to a select group of customers, myself excluded.
From what I’ve read from users who have access to the feature though, is that it works similarly to other mobile check deposit services.
Cash App would ask you to take a picture of the front and the back of the check to record the dollar amount, account number, and routing number as well as the endorsement on the back.
If any of these key features of the check aren’t able to be read, Cash App may deny the deposit.
You should always keep the checks you mobily deposit until you see the funds are completely cleared in your account.
Cash App may not have been able to read the check initially and could reverse the transaction.
Mobile check deposits may take around 1-3 business days with a maximum of 5 business days, given Cash Apps other deposit policies.
Where Can I Load Cash Onto My Cash Card
Cash App partnered with a wide range of stores across America to give their users plenty of opportunity to deposit paper money into their accounts.
There are a several popular stores that will accept cash deposits into your Cash App account, including:
- Kum & Go
- Family Dollar
- Rite Aid
- Dollar General
- Speedway SSA
I found these all myself scattered across the U.S. using Cash App’s map within the app itself.
They all have their own unique barcode you can use to make deposits within the app and have the same $1 deposit fee.
Can I Put Cash into My Cash App Card at an ATM?
Unfortunately, you can’t deposit cash into your Cash App account at an ATM. Cash App has partnered with a lot of retail stores, but no ATM networks. You can withdraw from ATMs though, paying a small fee to do so.
If you have paper money you’d like to deposit into your Cash App account, you have to do it at one of the retail locations I listed above. You can find the nearest one in your Cash App account.