You can change the checking account linked to Cash App in your account settings
Cash App lets you link a checking account so money can move between the app and your bank. If you want to switch to a different checking account — because you changed banks, opened a new account, or need to use a different one — you can do this yourself in a few steps. The process takes a few minutes and doesn't require calling Cash App support.
The key thing to know upfront: Cash App will ask you to verify the new account before it becomes active. This means you'll need to confirm you own the account, usually by letting Cash App check small test deposits your bank makes, or by entering information from your bank statement. Until verification is complete, you can't send money out through the new account, though you can still receive money.
Key Takeaways
- You remove your old checking account and add a new one through the Account tab in Cash App settings, not through a separate "change account" option.
- Cash App will verify your new account by making small test deposits to it, which you'll need to confirm in the app — this usually takes one to two business days.
- Your old account stays linked until you delete it, so you can have both active at the same time if you need to.
- If verification fails, check that the account number and routing number match exactly what your bank shows, and that the account is in your name.
Steps to remove your old checking account
Open Cash App and tap the profile icon in the bottom right corner. This takes you to your account settings. From there, tap "Linked Banks" or "Bank Accounts" — the exact wording depends on your app version, but it's the section where all your connected accounts appear.
Find the checking account you want to remove. Tap it, then look for a "Remove" or "Delete" button. Cash App will ask you to confirm that you want to remove it. Once you confirm, that account is no longer linked to your Cash App. Any money already in your Cash App balance stays there — removing the account doesn't touch your Cash App funds.
Steps to add your new checking account
In the same "Linked Banks" section, tap the button to add a new account. Cash App will ask for your bank's name. You can search for it or scroll through the list. Select your bank.
Enter your account number and routing number. Your routing number is a nine-digit code that identifies your specific bank branch. You can find both numbers on the bottom left of any check, or by logging into your bank's website or calling the bank's customer service line. Make sure you enter them exactly as they appear — even one wrong digit will cause verification to fail.
Cash App will also ask for your full name as it appears on the account. This must match your bank's records. If your bank has your name as "Robert James Smith" but you enter "Rob Smith," verification will likely fail.
How Cash App verifies your new account
After you submit your account information, Cash App sends two small deposits to your checking account — usually between $0.01 and $0.99 each. These deposits appear in your bank account within one to two business days. The deposits come from Cash App or a company Cash App uses for verification.
Once the deposits show up in your bank account, go back to Cash App and tap your new account in the "Linked Banks" section. Cash App will ask you to enter the amounts of the two test deposits. You'll need to check your bank account or bank statement to see what those amounts were, then type them into Cash App. If both amounts match, your account is verified and you can now send money out through it.
If you don't see the deposits after two business days, double-check that you entered your account number and routing number correctly. If they're wrong, you may need to remove the account and add it again with the correct information.
What to do if verification fails
The most common reason verification fails is a typo in your account number or routing number. Remove the account and add it again, checking each digit carefully against your check or your bank's website.
The second most common reason is that the name on the account doesn't match your Cash App profile name. If you've changed your legal name since opening your bank account, or if your bank has your name spelled differently, contact your bank to update their records first, then try adding the account to Cash App again.
If you've tried twice and verification still isn't working, you can contact Cash App support through the app. Tap your profile icon, then "Support," then "Contact Us." Describe what's happening and include the account number (you can partially hide it for security). Cash App support can sometimes manually verify an account or help troubleshoot what went wrong.
What happens to money during the switch
Your Cash App balance — the money sitting in the app itself — doesn't move or change when you switch checking accounts. That balance stays in Cash App until you send it somewhere or receive more money.
If you had set up automatic transfers from your old checking account to Cash App, those will stop working once you remove that account. You'll need to set them up again with your new account if you want them to continue. The same is true for automatic transfers out of Cash App to your checking account.
If you're in the middle of a transfer when you remove your old account, the transfer will complete using that account. Removing an account doesn't interrupt transfers that are already in progress.
Why you might want to keep both accounts linked
Cash App lets you have more than one checking account linked at the same time. Some people do this on purpose — for example, if you have a checking account at one bank for everyday spending and a savings account at another bank, you might link both so you can move money between them and Cash App.
When you have multiple accounts linked, Cash App will ask you which one you want to use each time you send money out. This gives you flexibility, but it also means you have to make a choice every time instead of having a default account.
Frequently Asked Questions
How long does it take to verify a new checking account?
The test deposits usually arrive within one to two business days. Once you see them in your bank account and enter the amounts into Cash App, verification is when ready. The whole process typically takes two to three business days from start to finish.
Can I use Cash App while my new account is being verified?
Yes. You can still receive money and spend your Cash App balance. You just can't send money out to your checking account until verification is complete. Once verified, you can transfer money out whenever you want.
What if I accidentally deleted the wrong account?
You can add it back by going to "Linked Banks" and selecting your bank again. You'll need to enter your account number and routing number, and go through verification again with the test deposits. There's no penalty for removing and re-adding an account.
Do I need to tell Cash App I'm switching banks?
No. Cash App doesn't need advance notice. You can remove your old account and add your new one whenever you're ready. Just make sure you have your new account number and routing number before you start.
What if my bank doesn't show the test deposits?
Wait two full business days from when you added the account — deposits sometimes take longer than expected. If they still haven't appeared, check that your account number and routing number are correct. If they are, remove the account and add it again. If it keeps failing, contact Cash App support.