Where to find the bank account settings in Square

To change the bank account Square deposits to, log into your Square account on a web browser — the mobile app does not have this option. Go to the Account & Settings menu, usually found in the top right corner or in a hamburger menu. From there, select Banking or Bank Accounts, depending on your Square product (Cash App, Square for Sellers, or Square Invoices all use slightly different labels, but the banking section is always there).

You will see a list of any bank accounts currently linked to your Square account. The account that is actively receiving deposits will be marked as your primary account. You can add a new account, remove an old one, or change which account receives your money — but the steps differ depending on what you are trying to do.

Key Takeaways

  • You must use a web browser to change your bank account; the Square mobile app does not support this change.
  • Square requires the routing number and account number from your bank, which you can find on a check or by calling your bank.
  • Adding a new account takes 1 to 2 business days for Square to verify it; during that time, deposits still go to your old account.
  • If you remove your only linked account, Square will pause all deposits until you add a new one.
  • Some Square products (like Cash App) have different banking menus than others, so look for "Banking" or "Bank Accounts" in settings.

Adding a new bank account to Square

Click the button to add a new account — it is usually labeled Add Bank Account or Link New Account. Square will ask for your bank's routing number and your account number. You can find both on the bottom left of any check you have, or by calling your bank's customer service line and asking for your routing and account numbers.

Enter the information exactly as it appears. Square will then send two small deposits (usually between $0.01 and $0.99 each) to that account over the next 1 to 2 business days. You do not need to do anything while you wait — Square is straightforward verifying that the account exists and that you own it. Once both deposits arrive, you will see a prompt in your Square account asking you to confirm the amounts. Enter them correctly, and the account becomes verified.

Until the account is verified, your deposits will continue going to whichever account was active before. Once verification is complete, you can choose whether to make this new account your primary account or keep the old one active.

Switching your primary deposit account

If you have multiple verified accounts linked to Square, you can change which one receives your deposits at any time. Go back to the Banking section, find the account you want to use, and look for an option to Make Primary or Set as Default. Click it, and deposits will start going to that account on your next payout cycle.

The change takes effect on your next scheduled deposit, which is usually 1 to 2 business days after you make the change. Square will send you a confirmation email once the switch is complete. If you are expecting a deposit soon, check the email to see when it will arrive and to which account.

Removing an old bank account

To remove a bank account from your Square account, find it in the Banking section and look for a Remove or Delete button — it is often a trash icon or a red X. Square will ask you to confirm the removal. Once you confirm, that account is no longer linked to your Square account.

You can only remove an account if you have at least one other verified account active. If you try to remove your only linked account, Square will not let you — you must add a new account first, verify it, and set it as primary before you can remove the old one. This prevents you from accidentally locking yourself out of deposits.

What happens during the waiting period

While Square is verifying your new account (the 1 to 2 business days after you enter the routing and account numbers), your money still goes to your old account. You do not lose any deposits during this time. Square straightforward cannot make the new account your primary account until it confirms the account is real and belongs to you.

If you need deposits to go to a new account urgently, the fastest path is to have your new bank account ready before you start the process. Some banks can provide routing and account numbers when ready online; others require a phone call. Once you have both numbers, the verification usually completes within 1 to 2 business days.

Troubleshooting common issues

If Square rejects your routing or account number, double-check that you entered it correctly — even one digit wrong will cause the verification to fail. Call your bank if you are unsure. Some banks have multiple routing numbers depending on the branch or the type of account, so confirm you have the right one for your specific account.

If the verification deposits do not arrive after 2 business days, wait one more day — bank transfers sometimes take longer than expected. If they still have not arrived after 3 business days, contact Square support through your account settings. They can resend the deposits or help you troubleshoot why the account is not receiving them.

If you accidentally removed an account and need to link it again, you will have to go through the full verification process a second time. Square treats each linking as a new connection, so the two small test deposits will be sent again.

Frequently Asked Questions

Can I change my bank account on the Square mobile app?

No. You must use a web browser to change your bank account. Open Square on a computer, go to Account & Settings, then Banking, and make your changes there. The mobile app lets you view your linked accounts but not add, remove, or change them.

How long does it take for deposits to go to my new account after I verify it?

Deposits go to your new account starting with your next payout cycle, which is usually 1 to 2 business days after you confirm the verification amounts. Square will send you an email confirming the change and telling you when the first deposit to the new account will arrive.

What if I enter the wrong routing number?

Square will reject it during verification. You will see an error message asking you to re-enter the information. Call your bank to confirm the correct routing number for your account type, then try again. Routing numbers vary by bank and sometimes by branch.

Can I have deposits split between two accounts?

No. Square only supports one primary account for deposits at a time. You can switch between multiple linked accounts, but all your money goes to whichever one you set as primary. If you need to split deposits, you would have to manually transfer money after it arrives.

What happens if I remove my only bank account?

Square will not let you. You must have at least one verified account linked at all times. If you want to remove an account, you need to add and verify a new one first, set it as primary, and then remove the old one.