Last Updated on June 21, 2023
Many Cash App users know the steps involved in linking a debit card or credit card to Cash App. However, you can also link bank account to Cash App without debit card or credit card. It could be that your debit card is expired, non-valid, blocked, hasn’t arrived in the mail yet, or you don’t even have one at all. Whatever the case, Cash App provides alternative support for bank linking.
How to link bank account to Cash App without debit card
If you don’t have a debit card, don’t worry. You can still link your bank account to Cash App. Here’s how you can do it:
- Open Cash App and tap on your Profile icon.
- Look for the option called “Linked Banks” and tap on it.
- Tap on “Link Debit Card.”
- Since you don’t have a debit card, tap on “No Card?”
- Tap “Continue” to proceed.
- You will see a list of available banks. Choose your bank from the list.
- Follow the instructions that appear on the screen.
Now that we’ve gotten that out of the way, we’re still going to talk about some other stuff that has to do with your bank account and Cash App. But first, let’s finish talking about one or two things concerning setting up and changing your bank account.
How to change your bank account on Cash App
Changed your mind about which bank account you prefer and want to change it? No problem. Just follow the instructions given below:
- Open the Cash App on your phone and go to the home screen.
- Look for the profile icon and tap on it.
- From the options that appear, select “Linked Banks.”
- You will see a list of bank accounts linked to your Cash App. Choose the account you want to replace or remove.
- Tap either “Remove Bank” if you want to remove the account completely or “Replace Bank” if you want to replace it with a different bank account.
- Follow the instructions that appear on the screen to complete the process.
Can’t link bank account to Cash App?
If you’re having trouble linking your bank account to Cash App, here’s what you can try:
- Go to the home screen of your Cash App and tap on the “Money” tab.
- Select “Cash Out” and choose the amount you want to cash out.
- Choose the “Standard” option, which takes 1-3 business days to process.
- In the search field, type “Cashapp” and press enter.
- Tap on “Add Manually.”
- Enter the routing number and account number of your bank account manually.
How to add money to Cash App with bank account
To add money from your linked bank account to Cash App and buy stuff online, follow these steps:
- Open the Cash App and find the “Add Cash” button located under “Cash Balance.”
- You will see options for different amounts of money, such as $10, $25, $50, $100, and $200. If you need a different amount, you can enter it manually.
- Once you’ve chosen the amount you want, tap on “Add.”
- Enter your Cash PIN to confirm.
Meanwhile, you can even pay with Cash App at most stores without your card.
Can I just link my bank account to Cash App?
Sure you can link bank account to Cash App without debit card. You don’t necessarily need a debit card to use Cash App or link your bank account as shown earlier on in this article. You can simply follow the previously provided instructions to link your bank account to Cash App without a debit card.
Now, what if we told you that even if you have a bank account, it’s not necessary to connect it to Cash App if you don’t want to? The app will work fine without linking a bank account, albeit with some limitations in place.
When linking your bank account, Cash App usually requires you to verify that you own the account. This process may involve providing details like your account number, routing number, and personal identification information. The specific verification process can vary depending on where you are and the bank you’re linking.
Cash App also offers a feature called “Direct Deposit,” which lets you receive payments directly into your Cash App balance. If your bank account supports direct deposit, you can set up this feature in Cash App to receive funds without linking your bank account as a payment method.
With that being said, we’d tell you this- if you want easy access to your Cash App balance, especially for buying things in the real world, you’ll need a Cash Card. The Cash Card is free and doesn’t require a credit check, so it’s worth getting.
What bank accounts can be linked to Cash App?
Cash App works with many different banks, but not all banks are compatible with it. This is because each bank has its own rules and procedures that may not work well with Cash App’s verification process and policies.
So, before you try to link your bank account to Cash App, it’s a good idea to contact their customer support first. They can confirm whether your bank is compatible or not.
Now, if you’re having trouble linking your bank account to Cash App or if you think it’s better to open a bank account with one of Cash App’s partner banks, then this next part is for you.
While Cash App created and manages its product, it relies on two banks, Sutton Bank and Lincoln Savings Bank, to handle certain banking functions. Sutton Bank is mainly responsible for the Cash App prepaid debit card (Cash Card) and is more well-known. On the other hand, Lincoln Savings Bank supports Cash App’s direct deposit feature.
However, recent updates to Cash App’s website and terms of service have mentioned Lincoln Savings Bank less, raising questions about their future relationship. So if you feel opening a bank account with Lincoln Savings Bank is the way to go in order to solve your ‘linking problems’, then go ahead.
How long does it take to link bank account to Cash App?
The time it takes to connect your bank account to Cash App can be different for everyone. Usually, it’s pretty fast and can be done in anything from a few minutes to 3 business days or even more. But sometimes, it might take longer because it depends on your bank and if there are any extra steps to confirm things.
Just follow Cash App’s instructions and if you have any problems or it’s taking too long, you can contact their customer support for help.
Frequently Asked Questions
How many banks can I link to Cash App?
Cash App allows users to link only one bank account at a time. So your bank account should work just fine provided you’ve not linked it to another Cash App account previously.
Can I use Cash App without a debit card?
Yes, you can use Cash App without a debit card. Cash App provides various methods for adding money to your account even if you don’t have a debit card. You can ask a friend or family member with a Cash App account to send you money, deposit cash at a local retailer, use mobile check deposits, set up recurring deposits from your bank account, transfer funds from your PayPal balance (using certain workarounds), or even receive direct deposits from your employer.
Final thoughts – link bank account to Cash App without debit card
The unavailability of a debit card shouldn’t stop you from linking a bank account to Cash App or ruin the Cash App experience. This is why we dug deep and went out of our way to bring you these methods to get the best out of your Cash App even without a debit card. And also give you possible solutions to any problems you might encounter when trying to link your bank account to Cash App.