How to change your checking account on Cash App
To change your checking account on Cash App, open the app, tap the profile icon in the top right corner, select Cash or Banking, then tap Linked Bank Account or Transfers. Remove the old account and add a new one by entering your routing number and account number. Cash App will verify the new account with two small deposits (usually within one to two business days), and you'll confirm those amounts in the app before the account is active.
The process takes a few minutes to start, but the verification step means you can't use the new account for transfers or direct deposits until those deposits clear. If you're waiting for a paycheck or a peer transfer, plan ahead—don't wait until the day you need the money.
Key Takeaways
- Removing an old account and adding a new one happens in the same menu, and you can do it anytime without closing your Cash App account.
- Cash App verifies new accounts with two small test deposits that you must confirm in the app before the account becomes active.
- Verification usually takes one to two business days, but can take longer if your bank processes deposits slowly.
- If you're setting up direct deposit from your employer, you'll need the routing and account number from your new bank, not from Cash App.
- Removing an account does not affect your Cash App balance or any pending transfers—only future transfers will use the new account.
Step-by-step: removing your old account
Open Cash App and tap the profile icon (the circle with your initials or photo) in the top right corner. Scroll down and tap Cash or Banking—the exact label depends on your app version. Look for Linked Bank Account or Transfers.
You'll see your current account listed with the last four digits of the account number. Tap it, then look for a Remove or Delete button. Cash App will ask you to confirm. Once you confirm, the account is removed immediately, but any transfers already in progress will still go through to that account.
If you have a pending transfer to the old account, wait for it to complete before removing it. If you remove the account while a transfer is pending, that transfer may fail or be delayed.
Adding a new checking account
After removing the old account, tap Add Bank Account or Link a Bank Account. Cash App will ask for your bank's name, your routing number, and your account number. You can find both numbers on a blank check, in your bank's mobile app, or by calling your bank's customer service line.
Enter the information carefully—a wrong routing or account number will cause the verification deposits to fail. Cash App does not charge you to add an account, and your bank will not charge you for the test deposits.
Once you've entered the details, tap Confirm or Next. Cash App will tell you that verification is pending and that you'll see two small deposits within one to two business days.
Confirming the verification deposits
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, though some banks take longer. Check your bank account online or in your bank's app to see the amounts.
Once you see both deposits, go back to Cash App, tap your profile icon, and navigate to Linked Bank Account again. Tap the account you just added, and you'll see a prompt asking you to enter the two deposit amounts. Type them in exactly as they appear in your bank account—for example, if the deposits were $0.23 and $0.47, enter them in that order.
After you confirm the amounts, Cash App will verify the account within a few minutes. You'll get a notification when it's complete, and the account is now active for transfers and direct deposits.
What happens to your Cash App balance when you change accounts
Your Cash App balance (the money in your Cash App wallet) stays in Cash App and is not affected by changing your linked bank account. The linked account is only used when you transfer money out of Cash App to your bank, or when you set up direct deposit from your employer.
If you have money in your Cash App balance that you want to move to your new bank account, you'll need to transfer it manually after the new account is verified. Open Cash App, tap the Money icon, select Transfer to Bank, choose the amount, and confirm. The transfer will go to your newly linked account.
Timing: when transfers will use your new account
Any transfer you initiate after the new account is verified will go to that account. If you had a transfer pending to your old account before you removed it, that transfer will still go to the old account—Cash App doesn't reroute transfers that are already in progress.
If you're setting up direct deposit from your employer, you'll need to update your employer's payroll system with your new routing and account number. Cash App does not automatically send this information to your employer. Contact your HR or payroll department and provide them with the routing and account number from your new bank (not from Cash App).
Troubleshooting: verification deposits didn't arrive
If you don't see the two verification deposits in your bank account after three business days, the account information you entered may be incorrect. Check that your routing number and account number match exactly what your bank provided. A single wrong digit will cause the deposits to fail.
Go back to Cash App, remove the account, and add it again with the correct information. Make sure you're using your checking account number, not a savings account number or a card number. If you're unsure, call your bank and ask them to confirm both numbers.
If the deposits still don't arrive after you've re-entered the information, contact Cash App support through the app. Tap your profile icon, scroll to the bottom, and tap Support or Help. Describe the issue and provide the account details (you can hide most of the number for security).
Frequently Asked Questions
Can I have more than one bank account linked to Cash App?
No. Cash App only allows one linked bank account at a time. You can remove one and add another, but you cannot have two active at the same time. If you need to split transfers between two accounts, you'll have to do it manually—transfer to one account, then remove it and add the other.
What if I close my bank account before removing it from Cash App?
If your bank account is closed, any transfer you try to make will fail. Remove the closed account from Cash App as soon as possible and add your new account. If a transfer fails because the account is closed, contact Cash App support to see if the money can be returned to your Cash App balance.
Do I lose money when I change my bank account?
No. Changing your linked account does not cost you anything. Cash App does not charge a fee, and your bank does not charge a fee for the verification deposits. Your Cash App balance remains the same.
How long does it take to change my account if I'm getting paid tomorrow?
If you need the account active by tomorrow, you likely won't make it. Verification deposits take one to two business days to arrive, and you need to confirm them before the account is active. If your paycheck is coming tomorrow, contact your employer and ask if you can delay the direct deposit by a few days, or keep your old account active until the new one is verified.
Can I change my account on the Cash App website instead of the app?
Cash App's website is limited and does not allow you to change your linked bank account. You must use the mobile app (iOS or Android) to add or remove a bank account. Open the app on your phone and follow the steps above.