How to change your linked bank account on Cash App
You can change which bank account Cash App pulls money from or sends money to by removing the old account and adding a new one. The process takes a few minutes and happens entirely in the app. Cash App does not let you edit an existing bank connection — you have to delete it first, then add the new account details.
The steps are the same whether you are changing a checking account, a savings account, or switching banks entirely. Cash App will verify the new account by making two small test deposits (usually under a dollar each) to confirm you own it. You will need to enter those amounts back into the app to complete the verification, which typically takes one to two business days.
Key Takeaways
- Remove your current bank account from Cash App by going to the Banking tab, selecting your account, and tapping Remove Bank Account.
- Add your new bank account by entering your routing number and account number, which you can find on a check or your bank's website.
- Cash App will send two small test deposits to your new account; you must enter those amounts back into the app to verify ownership.
- Verification usually takes one to two business days, and you cannot send or receive money to that account until it is verified.
- If you have a Cash Card linked to your old account, you will need to update that separately or request a new card.
Step-by-step: removing your old bank account
Open Cash App and tap the Banking tab at the bottom of the screen. You will see your currently linked bank account listed under "Bank Account." Tap on that account to open its details page.
Scroll down and tap "Remove Bank Account." Cash App will ask you to confirm — tap "Remove" again. The account is now disconnected from your Cash App profile. Any pending transfers to or from that account will be cancelled, so check for any in-progress transactions before you remove it.
If you have automatic deposits set up (such as direct deposit from an employer), those will stop going to Cash App once you remove the account. You will need to update your employer's records with your new bank details separately.
Step-by-step: adding your new bank account
From the Banking tab, tap "Add Bank Account." Cash App will ask you to enter your account type (checking or savings), your routing number, and your account number. You can find both numbers on a check, or log into your bank's website and look for the account details section.
Enter the information carefully — a wrong routing or account number will cause verification to fail. Tap "Add" when you are done. Cash App will when ready show your new account as "Pending Verification."
Do not close the app or navigate away when ready. Cash App will display a confirmation screen showing the account you just added. Take a screenshot or note the details in case you need to reference them while waiting for the test deposits.
Verifying your new account with test deposits
Within one to two business days, Cash App will send two small deposits to your new bank account — usually between 1 and 99 cents each. Check your bank account online or through your bank's app to see the amounts. The deposits will show up as coming from "CASH APP" or "SQ" (Square's ticker symbol).
Once you see both deposits in your bank account, go back to Cash App and tap the Banking tab. Your new account will still show "Pending Verification." Tap on it and look for a prompt to enter the two deposit amounts. Type in the exact amounts (for example, $0.23 and $0.47) and tap "Verify."
Cash App will confirm that the amounts match and mark your account as verified. You can now send and receive money using this bank account. The two test deposits remain in your bank account — Cash App does not pull them back out.
What to do if verification fails or takes longer than expected
If you enter the deposit amounts incorrectly, Cash App will tell you when ready and let you try again. You have multiple attempts, so do not worry if you misread the first time.
If you do not see the test deposits after three business days, the routing or account number you entered may be wrong. Go back to the Banking tab, remove the account, and add it again with the correct information. Double-check your bank's website if you are unsure about either number.
Some banks take longer to process small deposits, particularly if your account is brand new or if you are using an online-only bank. If you are certain the information is correct, wait a few more days before removing and re-adding the account.
Updating your Cash Card if you have one
If you have a Cash Card (Cash App's debit card), it is tied to your Cash App balance, not to a specific bank account. Changing your linked bank account does not affect the card itself — it will continue to work as before.
However, if you want to set up direct deposit to your new bank account instead of to Cash App, you will need to update your employer's direct deposit form with your new bank's routing and account numbers. Cash App will no longer receive those deposits once you remove the old account.
If you ordered a Cash Card while your old bank account was linked and the card has not arrived yet, it will still work once it arrives — the card is not tied to any specific bank account.
Timing: when you can use your new account
You cannot send or receive money through your new bank account until Cash App marks it as verified. This means you will not be able to use it for peer-to-peer transfers, bill payments, or withdrawals during the verification period.
If you need to move money when ready, keep your old account linked until the new one is verified. You can have both accounts in Cash App at the same time — just add the new one before removing the old one. Once the new account is verified, you can remove the old one.
Transfers between Cash App and a verified bank account usually take one to three business days, depending on your bank. Weekend and holiday transfers may take longer.
Frequently Asked Questions
Can I have two bank accounts linked to Cash App at the same time?
No, Cash App only allows one bank account to be linked at a time. If you want to switch accounts, you must add the new one and verify it before removing the old one, or remove the old one first and then add the new one. There is a brief window where you can have neither account linked.
What happens to money I sent before I changed my bank account?
Transfers you already sent will go through to their destination regardless of which bank account you have linked. Transfers you already received will go to whichever account was linked when the transfer arrived. Changing your bank account does not affect transactions that are already in progress.
Do I need to update my direct deposit information when I change banks?
Yes, if you receive direct deposit (such as a paycheck), you will need to update your employer or benefits provider with your new bank's routing and account numbers. Cash App will no longer receive those deposits once you remove the old account. Contact your employer's payroll department or log into your benefits portal to make the change.
Why is my new account still showing as pending after five days?
The test deposits may be delayed if your bank processes deposits slowly or if you entered the routing number incorrectly. Check your bank account to confirm you see both deposits. If you do not see them after five business days, remove the account from Cash App and add it again, double-checking the routing and account numbers against your bank's website.
Can I change my bank account if I have a pending transfer?
You can remove your old account and add a new one, but any pending transfers will be cancelled. Wait for all transfers to complete before you remove your bank account, or contact Cash App support if a transfer is stuck.