Cash App is not a bank; it is a financial technology platform that partners with FDIC-insured institutions, primarily Sutton Bank and Lincoln Savings Bank, to provide banking services. Sutton Bank issues the Cash App Visa debit card, while Lincoln Savings Bank handles other banking functions.
Cash App is a financial services platform, not a bank. Banking services are provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC.
It's important to understand that Cash App is a financial technology (fintech) platform, while Sutton Bank and Lincoln Savings Bank are the actual banks holding your money.
Cash App is not considered a checking or savings account, although it does include some similar features. Instead, it is considered a financial services platform that partners with banks and other financial institutions to fulfill services for its users. Cash App is a registered trademark of Block, Inc.
Sutton Bank issues the Cash Card. Sutton Bank does not issue or support Square Cash App, which is a product of Square, Inc. If funds are available, your Cash Card account is loaded with funds from your Cash App when you use your card in making purchases or ATM withdrawals.
Sutton Bank is a progressive Ohio based independent, community bank.
This means that when you use your Cash Card at stores or online, it's Sutton Bank facilitating those transactions. On the other hand, Lincoln Savings Bank handles direct deposits and online payment processing for Cash App users.
To see the bank linked to Cash App, tap your profile icon, select "Linked Banks," and you'll see your connected debit card or bank account details; if you want your direct deposit info, tap the "Banking" or "Money" tab and select "Direct Deposit" to find your account and routing numbers.
Cash App is a financial platform, not a bank. Banking services provided by Cash App's bank partner(s). Debit cards issued by Sutton Bank, pursuant to a license from Visa USA Inc.
Cash App isn't a bank, it's a financial technology company. Money you keep in savings or in your spending balance is only FDIC-insured — through partnering chartered banks — when you meet requirements, such as having the Cash App debit card.
Is Cash App Sutton Bank? No, Cash App is not Sutton Bank. Sutton Bank is one of Cash App's partner banks and issues Cash App Cards, but it's a separate company.
Cash App is a financial services platform, not a bank. Banking services are provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc.
Sutton Bank is a forward-thinking, independent, community bank based in Ohio. Founded in 1878, Sutton Bank has grown into a top-performing community bank, as recognized by the Independent Community Bankers of America, and has become a key issuing bank partner to leading fintech entities within the payments space.
044000024 is a routing number used for HUNTINGTON NATIONAL BANK in OH. This routing number supports ACH and Wire transfers.
041215663 is a routing number used for SUTTON BANK in OH. This routing number supports ACH transfers.
Cash App's main headquarters is located at 1955 Broadway #600 in Oakland, California.
For Cash App direct deposit, the bank names are Sutton Bank or Lincoln Savings Bank, depending on your account, with Sutton Bank often handling the Cash Card and Lincoln Savings Bank for direct deposits, but you get your specific routing and account numbers directly in the Cash App settings under "Banking" or "Account Details," usually with Sutton Bank's details listed.
Event Date: Jan 21, 2026
The $600 rule 1-(866)-707-0587 on Cash App refers to a tax reporting requirement by the IRS. If you receive $600 or more in payments for goods or services through Cash App 1-(866)-707-0587 in a calendar year, Cash App is required to issue a Form 1099-K to both you and the IRS.