Cash App is not a traditional bank; it partners with Lincoln Savings Bank and Sutton Bank to manage its core banking services, like direct deposits and debit cards. It has reshaped peer-to-peer transactions with over 57 million monthly active users as of 2026. However, many people still have doubts, such as “Why does my account show a bank name I’ve never heard of?” or “Is my money safe?” about whether it is a financial institution like others. Moreover, all of its partners make sure that all your money is securely encrypted and has FDIC pass-through insurance. 

This guide will explain how Cash App works with its partners and how you can navigate its system. 

Key Takeaways

1. In Cash App, you may find a different bank name because of these factors:
   1. Location 
   2. Account Setup 
   3. Or, you are using a Cash card. 
2. Make sure to set up your sponsored account or have a Cash App card to claim the FDIC insurance. 
3. Cash App doesn’t provide FDIC insurance directly, but funds can easily be insured up to $250,000 per person per bank if Wells Fargo and Sutton Bank ever fail, ensuring your deposits stay safe. 
4. You can find out your bank name by navigating to Account and Routing Numbers. 
5. When setting up salary deposits, you must provide the correct Account and routing numbers associated with your Cash App’s partner bank. 
6. Transactions are fully encrypted, and the bank partner ensures compliance with US financial regulations, like Know Your Customer (KYC) and Anti-Money Laundering (AML). These are regulated by FinCEN (Financial Crimes Enforcement Network). 
7. Sutton Bank manages your Cash Card and regular balance. Meanwhile, Wells Fargo holds savings account deposit balances that ensure it receives FDIC protection. These will be separated from other account types on the basis of ownership category. 

What Is the Bank Name for Cash App?

Cash App is a digital payment app, not a bank itself. But it offers bank services by partnering with Sutton Bank and Lincoln Savings Bank. 

Note: Sometimes, users find the name Block, Inc. on their tax forms or bank statements. Don’t need to panic! This is the parent company of Cash App (formerly known as Square). In addition, this is the legal entity that owns the app and Sutton, as well as Lincoln Savings Bank, which manages the banking services. 

Below are the detailed explanations of each bank. 

1. Sutton Bank 

Sutton Bank is a privately held, independent, progressive community bank in the state of Ohio. It was founded in 1878 and is linked to the development of western Huron and southeastern Seneca counties. Moreover, it is a prime Bank-as-a-Service (BaaS) partner of Cash App. It operates with extensive commitment to its specific local geographic areas, such as Attica, New London, and many more. In fact, this financial institution has a primary goal to prioritize long-term relationships with its customers. 

By having an account at Sutton Bank, users can take advantage of the following services.

• ACH Debit/Credit Origination
• Wire Transfer Requests 
• Direct Deposits Origination 
• EFTPS Credit Originations 
• Repurchase Agreement Information

These are key details that you should know. 

• Official website – www.suttonbank.com
• Contact number – 800.422.3641
• Address – Sutton Bank, PO Box 505, Attica, OH  44807-0505
• Total Assets – $1.66 billion as of late 2025
• Total number of Branches – 9, but 8 offering full service (as of my research). 
• Account type – Checking, Savings & Money Market, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs).  
• Routing Number – 041215663 for Prepaid Card accounts and 041208777 for Sutton Bank checking accounts.

Note!  Each user has a different account number as per their assigned bank. Always make sure to verify it before making payments. 

2. Lincoln Savings Bank

This financial institution was founded in 1902 in Iowa, USA. It has the primary goal of providing premium community banking services, especially with Cash App, so that people can trust it. This is a subsidiary, LSB Financial Services. Moreover, this bank offers various services, such as: 

• Loans
• Deposit accounts
• And other traditional banking services 

 Not only that, but it also actively invests money, resources, and time into economic, social, and environmental betterment. Being a true community partner implies that the financial institution understands that maintaining trust in the market is a key point. 

In fact, Lincoln Savings Bank simplifies secure payments and integrates with Plaid. It makes transactions easy, as your financial data is fully encrypted and has multi-factor authentication. 

Important details of Lincoln Savings Bank are listed below. 

• Website – www.mylsb.com
• Contact Number – 800-588-7551 and 888-508-4572
• Address – 360 Westfield Ave., Suite 6, Waterloo, IA 50701
• Total Assets –  $1.8 billion approx. 
• Total Number of Branches – 16 
• Account Offerings –  Interest-bearing and basic checking, various savings accounts, such as Health, CDs, and specialized business accounts. 
• Routing Number – 073905527

3. Wells Fargo Bank 

It is a national bank that is located in Sioux Falls, South Dakota, US. This financial institution also plays an adequate role as a partner of Cash App. It offers pass-through FDIC insurance as well as a Cash Card. 

In fact, it secures all the cash of the user that is deposited within the bank account. 

Check out the following details regarding Wells Fargo Bank. 

• Official Website – www.wellsfargo.com
• Contact Number – 1-800-869-3557, 001-800-956-4442, and 001-800-225-5935
• Address – Wells Fargo, 333 Market Street, San Francisco, CA 94105
• Total Assets –  $1.93 trillion
• Total Number of Branches – 8,050, and 2,000 stand-alone mortgage branches.
• Account Offerings – Everyday, Clear Access, Premier, and Prime Banking accounts. 
• Routing Number – 121000248 for wire transfer

Expert Tip! Using Cash App daily, whether you are doing long-term savings or spending, your money will be distributed into Sutton and Wells Fargo. It will maximize insurance coverage as well as security. 

4. Bancorp Bank (Card Issuing Addendum in 2026)

Bancorp is one of the partners that offers services just like a traditional bank. Besides this, their main goal is to deliver all the services and products to government entities, businesses, and individuals who actually need them.  In July 2025, Bancorp Bank expanded its partnership with Block Inc. (Cash App) to offer debit and prepaid cards. However, they signed a Master Services Agreement where they will deliver the cards for five years. In 2026, these new services are going to expand as well. 

On top of that, if you are a new user who is signing up this year, you will get the card named Bancorp Bank. Or, if you are an old user who has an account for a period of time, your card will be issued by Sutton Bank. Both are secure and official. 

Some additional details about Bancorp Bank are listed below: 

• Official Website – www.thebancorp.com
• Contact Number – 800-545-0289 (Main Banking Services) and 866-952-3793 for Customer Service. 
• Address – 345 N. Reid Place, Sioux Falls, SD 57103
• Total Assets – $8.6 billion
• Total Number of Branches – 0 as it is a branchless, digital-first institution. 
• Account Offerings – White-label banking (powering apps like Cash App), Commercial Fleet Leasing, SBA Lending, Institutional Deposits, and Investment Checking. 
• Routing Number – 031101114

Basic Overview of All Three Banks

Bank Partner	Primary Function	Routing Number	Location
Sutton Bank	Cash Card & Checking	041215663 – Prepaid Card Accounts and 041208777 – Sutton Bank checking accounts.	Ohio
Lincoln Savings	Direct Deposits & ACH	073905527	Iowa
Wells Fargo	Savings & FDIC Pass-through	121000248 – Wire Transfer	South Dakota
The Bancorp Bank	New Card Issuance (2026)	031101114	South Dakota

Is Cash App FDIC Insured?

YES! Cash App is insured by FDIC, but indirectly, as it is an e-wallet app, not an FDIC-insured financial institution. On top of that, FDIC insurance can only be claimed when there is a failure of any FDIC-insured banks, such as Wells Fargo Bank, N.A., and Sutton Bank. In fact, an FDIC-insured deposit is also known as pass-through insurance because banks hold your money, not Cash App. 

Here’s the eligibility criteria to claim the insurance: 

• You must have a Cash App Card. 
• You are sponsoring one or more sponsor accounts. If there are teen accounts, you can also look after them. 

Warning ⚠️ If you have deposited your amount for Bitcoin or investment purposes, these will not be covered under FDIC insurance. 

Why Does Cash App Use Partner Banks?

These are the common reasons for a partnership with banks. 

• Legal Compliance: Cash App partners with established banks so that it can easily offer regulated services, such as holding money. 
• Direct Deposit Processing: Lincoln Savings Bank manages direct deposits that allow users to make transactions faster. 
• FDIC Insurance: Partner banks hold funds that make them qualified to claim up to $250,000. In addition, it prevents you from bank failure.  
• Building Features: Cash App partners with banks so that users can get small loans and amounts sooner, as well as save money whenever they want. 
• Cash Card Insurance: Sutton Bank offers the physical Cash Card to allow users to make transactions through Visa (where it is accepted). 

How to Check Your Cash App Bank Name?

These are the steps that will guide you to check the Cash App Bank name. 

Check via the Cash App Mobile App

1. Open Cash App on your device. 
2. Go to Banking Details under Settings. 
3. Here, you can see the bank name. 

Alternatively, you can check your bank statements. Navigate to Activity and then Statements. 

Check via the Direct Deposit Section

1. Launch Cash App. 
2. Head to Money. 
3. Look for Cash Balance. 
4. Navigate to Account & Routing. 
5. Choose “Set up direct deposit” or “Direct Deposit.” 
6. Go to Fill out a form under the Manual Setup. 
7. Fill out the form by mentioning the necessary details. 
8. Choose View Form. It will generate a customized direct deposit form. 
9. At last, you will get the bank name that will display on your screen by saying, “Banking services provided by [bank name].”

Cash App Routing Number Explained

The routing number contains 9 digits and is found when you are doing any financial transactions. Moreover, these digit codes are identified by credit unions or financial institutions. The American Bankers Association (ABA) discovered this in 1910, so that users can make transactions more quickly and more efficiently. 

There are various situations where you need to provide a routing number. These are as follows: 

• Creating a direct deposit. 
• Recurring transfers, such as the bill payments. 
• Automatic loan payments.
• Filing taxes, especially while receiving a tax refund as a direct deposit, or when doing an electronic withdrawal.

Most users have the same query: “How do I get my Cash App routing number?”  In the next section, you will get all the details. 

How to Find Your Cash App Routing Number

There are two solutions to do so. 

Using Cash App:

1. Launch the Cash App on your device.
2. Choose Banking. 
3. Tap Account and Routing Numbers. 

Here, you’ll get your Cash App routing number. 

Using the Cash App Website: 

1. Visit www.cash.app
2. Log in to your account. 
3. Go to your Profile picture. 
4. Select Money. 
5. Choose Account and Routing Numbers. 
6. Find out the Routing Number within the Routing Number.  

Cash App Direct Deposit Bank Name

To know which Cash App direct deposit bank name you are using, check it out within your Cash App. Follow these steps: 

1. Head to the Money Tab. 
2. Scroll down your screen. 
3. Look for Direct deposit. 
4. See your Account Details. 

If you are using a computer, you need to follow these guidelines. 

1. Type www.cash.app in your default browser. 
2. Log in to your account by mentioning the necessary credentials. 
3. Click the Money tab. 
4. View the Account Details on the left side. 
5. Click Show to see the complete information. 
6. Enter the right PIN to proceed further. 

If you need to provide the official Cash App’s address information that is asked by a depositor or an employer, these are the details: 

Block Inc, c/o Sutton Bank

1 S. Main St

Attica, OH 44807

Account type: Checking

Common Issues Related to Cash App Bank Name

These are some issues and their fixes related to the Cash App Bank Name. 

Issue 1: The Employer’s System Won’t be Able to Recognize the Bank Name. 

Fix: You need to make sure to provide Lincoln Savings Bank or Sutton Bank, as it is the pop-up within your Cash App banking section. 

Issue 2: Incorrect Routing Number, Bank Name, or Account Number.

Fix: Always check all the details that you have mentioned in the Cash App. Most importantly, you need to use the specific routing number that is available under Lincoln Savings Bank, provided for direct deposits. 

Issue 3: Routing Number Mismatch With the Older Accounts.

Fix: Make sure to use the latest bank information that appears in your Cash App. 

Issue 4: You Are Not Able to Link Your External Bank Accounts. 

Fix: Consider using an in-app process. Choose Cash Out. After that, you need to select Add Manually. Then, mention the routing and account numbers carefully. Otherwise, you can link your accounts by using Plaid. Just make sure to type down the correct bank partner. 

Cash App vs Traditional Banks

These are the differences explained in the tabular format. 

Feature	Cash App	Traditional Banks
Nature of Service	Financial services app, not a bank. Additionally, it partners with Sutton Bank & Lincoln Savings Bank for services.	Licensed, regulated financial institutions that offer full banking services.
FDIC Insurance	Not directly FDIC‑insured. Its coverage only applies when funds are held in its partner banks.	FDIC‑insured up to $250,000 per depositor in the U.S.
Accessibility	It is mobile-based only. There are no physical branches.	Physical branches and online/mobile banking. Plus, there is a global presence, depending on the bank.
Account Types	Peer‑to‑peer transactions, Cash Card, direct deposit, Bitcoin & stock investing.	Savings, checking, loans, credit cards, mortgages, and investment accounts.
Speed of Transactions	Instant transfers within Cash App. If you are doing any external transfers, it may take 1–3 days.	ACH transfers can be done in 1–3 days. Moreover, wire transfers are faster but more costly.
Fees	Free for standard transfers. In fact, there are foreign transaction fees at 3% and instant transfer fees at 0.5%-1.75%.	It varies, as there are ATM fees, overdraft fees, and wire fees. Additionally, some banks offer free accounts.
Security	Encryption, PIN, and biometrics. But it is not FDIC‑insured if Cash App fails.	FDIC insurance, fraud protection, and regulatory surveillance.
Customer Support	In‑app support and help center. But there is no physical branch.	Branch visits, phone support, online chat, and regulated complaint channels.
Global Use	Limited (U.S. & UK only)	Widely available worldwide, depending on the bank.
Best For	Quick payments, P2P transfers, small investments, and digital‑first users.	Long‑term savings, loans, mortgages, and regulated financial security.

Risk And Considerations: 

• Cash App is not FDIC-insured directly. Meanwhile, traditional banks have slower transactions, are costly, and are best for depositing large amounts.  

Conclusion

It is very necessary to know which Cash App Bank name you are using and whether you have mentioned the correct Account and Routing numbers. However, if you mistype any of the details, you won’t be able to complete the verification or direct deposit. So, what you need to do is open the Cash App and move towards the Banking or Money tab. Here, cross-check your account details. By doing this, you can see that you have mentioned all the details properly. 

Most Commonly Asked Questions And Their Answers 

We understand that you still have some doubts about the Cash App bank name. That’s why we have prepared some additional queries for you. 

Q1. Why does my friend have a different Cash App bank name?

Ans. It’s common because Cash App works with numerous partners, such as Lincoln Savings and Sutton Bank. And the associated bank depends upon: 

• When you have opened your account 
• Where are you residing 
• Which function or feature are you using? 

Q2. Can Cash App change its bank partner?

Ans. NO! It is not possible to manually change your Cash App bank partner. The bank partner was already assigned by the platform itself that manages your account number and Cash App routing. However, you can only update your linked bank account whenever you want. 

Q3. Is my money safe in Cash App?

Ans. YES! It is generally safe to keep your money in Cash App because it is protected by fraud monitoring and encryption. But avoid keeping a large amount, as sometimes the money may be sent to fraudsters, which is difficult to recover. 

Q4. Can you use Cash App as a Bank Account?

Ans. YES! Users can use Cash App, a financial platform, as a bank account for various functions, such as: 

• Debit Card 
• Savings 
• Direct Deposits