The bank name for Cash App is either Sutton Bank or Lincoln Savings Bank, depending on your account. Cash App itself is not a bank. It partners with these two FDIC-insured institutions to hold your money and process transactions. You can find which one is assigned to your account directly in the app.
How to Find Your Specific Bank Name
Cash App assigns one of its two partner banks to each account. Most accounts opened after 2020 are linked to Sutton Bank, while some older accounts use Lincoln Savings Bank. The only reliable way to confirm which bank is yours is to check inside the app itself.
To find your bank name, routing number, and account number:
- Tap the Money tab on your Cash App home screen
- Scroll down and tap “Direct deposit”
- View your account details, which will show your bank name, routing number, and unique account number
This is the same screen you’ll reference any time an employer, government agency, or other institution asks for your banking information.
Setting Up Direct Deposit
When your employer or a benefits provider asks for your banking details, you’ll need three pieces of information from that account details screen: the bank name, the routing number, and your account number. The routing number for Sutton Bank is 041215663, and the routing number for Lincoln Savings Bank is 073923033. Your account number is unique to you.
Some employers also ask for a mailing address for your bank. Cash App lists this as:
Block Inc, c/o Sutton Bank
1 S. Main St
Attica, OH 44807
The account type is “Checking.” If a direct deposit form gives you a choice between checking and savings, select checking.
Why Cash App Uses Partner Banks
Cash App is built by Block, Inc. (formerly Square). It’s a financial technology company, not a chartered bank. To offer services like debit cards, direct deposit, and stored balances, it partners with banks that hold the actual deposits. Sutton Bank issues Cash App’s Visa debit cards and handles most of the banking infrastructure. Lincoln Savings Bank plays a similar role for a subset of accounts.
This setup is common across fintech apps. The app provides the interface you interact with daily, while the partner bank behind it holds your funds in an FDIC-insured account.
FDIC Insurance on Your Balance
Because Sutton Bank and Lincoln Savings Bank are both FDIC members, your Cash App balance can qualify for up to $250,000 in federal deposit insurance. This is called “pass-through” coverage, meaning the insurance passes through from the partner bank to you as the account holder.
There’s an important distinction here. FDIC insurance protects your money if the partner bank fails. It does not protect your funds if Cash App itself (the nonbank company) were to go bankrupt or become insolvent. The FDIC has made this point explicitly: funds held by a nonbank company are only eligible for insurance after they’ve been deposited at an FDIC-insured bank and proper records identify each depositor’s ownership. In practice, Cash App deposits your balance at its partner bank, so coverage generally applies, but the protection follows the bank, not the app.
You can verify that Sutton Bank and Lincoln Savings Bank are FDIC-insured by searching for them on the FDIC’s BankFind tool at fdic.gov.