Your Cash App routing and account numbers are located in the Direct Deposit section of the app, accessible in just a few taps. Cash App assigns every user a unique account number and a routing number through one of its banking partners, and you can use these details to set up direct deposit from your employer, receive tax refunds, or link your Cash App balance to other financial services.
Finding Your Routing Number in the App
Open Cash App and tap the Money tab on the home screen (the dollar sign icon at the bottom). Scroll down and tap “Direct deposit.” Your account details, including both the routing number and your individual account number, will appear on the next screen.
If you prefer to use a computer, log into your account at cash.app/account. Click “Money” on the left side of the page, then look for your Account Details. Click “Show” to reveal the full numbers, and you’ll need to enter your PIN to confirm your identity before the information displays.
Both numbers are always accessible from these same locations, so there’s no need to save them separately. But if you’re entering them into a payroll form or tax filing, double-check each digit carefully since a wrong number can delay your deposit by days or weeks.
What These Numbers Are For
The routing number identifies the bank that holds your Cash App funds, while the account number is unique to you. Together, they work like a traditional checking account’s details. Cash App supports ACH direct deposits, which is the standard method employers use to send paychecks electronically. It also supports Original Credit Transactions (OCTs), the payment method used by many gig work platforms and early wage access providers.
You can use your Cash App routing and account numbers to receive your paycheck, government benefits, or tax refunds. Cash App makes direct deposits available as soon as they arrive, up to two days earlier than many traditional banks. You can receive up to $25,000 per individual direct deposit and up to $50,000 within a 24-hour period.
One important limitation: Cash App’s routing number is designed for ACH transfers, not wire transfers. If someone needs to send you a domestic or international wire, you’ll need a traditional bank account that supports wire routing.
Which Bank Issues Your Routing Number
Cash App itself isn’t a bank. It partners with Lincoln Savings Bank to process direct deposits and with Sutton Bank to issue the Visa-powered Cash Card. When you set up direct deposit, Cash App automatically assigns you an account at its banking partner, and the routing number you see in the app belongs to that partner bank.
You don’t get to choose which bank is assigned to you, and it doesn’t really matter in practice. The routing number works the same way regardless of which partner bank is behind it. If an employer’s payroll system asks for a bank name, you can enter the bank name shown alongside your routing number in the app, or simply use “Cash App” if the system allows it.
Setting Up Direct Deposit With Your Employer
Once you have your routing and account numbers, you’ll enter them into your employer’s payroll system. Most companies handle this through an online portal or a paper direct deposit form. You’ll typically need three pieces of information: the routing number, your account number, and the account type. Select “checking” when prompted, since Cash App functions as a checking-style account for deposit purposes.
After submitting, most employers take one to two pay cycles to fully activate direct deposit. Some send a small test deposit first (often a few cents) to verify the account works. Once that clears, your full paycheck will start arriving in your Cash App balance automatically.
You can also split your paycheck between Cash App and another bank account if your employer’s system allows partial direct deposits. This is a useful option if you want a portion of your pay going to Cash App for everyday spending while the rest goes to a savings account elsewhere.
If Your Routing Number Isn’t Showing
If you don’t see account details when you navigate to the Direct Deposit section, your Cash App account may need additional verification. Cash App requires identity verification (your full legal name, date of birth, and the last four digits of your Social Security number at minimum) before enabling banking features. If you haven’t completed this step, the app will prompt you to do so.
Make sure your app is updated to the latest version as well. Older versions occasionally have trouble displaying account details. If everything is verified and updated but the numbers still aren’t visible, contacting Cash App support through the app (Profile > Support) is the fastest path to resolving the issue.