What Bank Does Cash App Use on Plaid? (Your Full Guide)

What Bank Does Cash App Use on Plaid

Since its launch in 2013, Cash App has become one of the most popular digital wallets for transferring funds. However, to use Cash App, you need to link it to your bank account, and the best way to do that is through a financial technology company called Plaid. But many people wonder: what bank is Cash App on Plaid? Luckily, we have the answers. Moreover, this guide can walk you through the whole process of securely linking your bank account to the Cash App. So, read on for more info!

Plaid Definition

Plaid is a financial technology company that enables users to link their bank accounts to payment apps and services securely. It was created to make online banking easier and more secure for consumers. Many mobile payment apps, including Cash App, use Plaid.

How Does Plaid Work

When you link your bank account to Cash App with Plaid, your login information is encrypted and securely stored by Plaid. This ensures your bank details are kept safe and secure. Then, when you need to make a payment, Cash App will make the transfer using your Plaid-linked bank account. 

Plaid’s servers make a secure connection to your bank, which allows Cash App to access and verify your information. This process is what allows you to use Cash App without ever having to type in your bank account details.

Fees for Using Plaid

As a Cash app user, you don’t need to pay anything extra to use Plaid. The only ones who pay for Plaid are the businesses that use it, such as Cash App. That helps to keep Plaid’s services free for their customers.

What Bank Cash-App Uses on Plaid

To provide its customers with access to Plaid, Cash App has partnered with Lincoln Savings Bank as the system’s main banking partner. That means that whenever you link your bank account to Cash App with Plaid, the connection is made through Lincoln Savings Bank

Lincoln Savings Bank is an FDIC-insured bank that provides banking services to businesses and individuals. They are known for their commitment to secure banking and customer service. Therefore, their partnership with Cash App serves as an assurance that your banking information is kept safe. 

However, along with the main banking partner, Cash App also works with more than 10000 banks, credit unions, and other financial institutions. Among the most famous ones are Bank of America, Chase, Wells Fargo, and Capital One. So, chances are that no matter what financial institution you use, Cash App can work with it. 

Linking Your Cash App with Plaid

The process of linking your bank account to Cash App with Plaid is fairly simple. All you need to do is:

  1. Open your Cash App.
  2. Tap the Profile button in the upper right corner and select “Linked Banks.” 
  3. Next, tap on “Link Bank.”
  4. Find the bank you use and enter your login details for that bank.
  5. Follow the instructions to finish linking your bank account.
  6. That’s it! You’ve successfully linked your bank account to Cash App with Plaid.

Using Cash App Without Plaid

Interestingly enough, you can, in fact, use Cash App without Plaid. If you’d rather not manually enter your bank routing and account number, Plaid allows you to bypass that step altogether. However, that comes with a few caveats. 

Using Cash App Without Linking It to a Bank Account

Linking your Cash App account to a bank is essential in order to make direct deposits, add funds and ultimately cash out. If you choose not to link your Cash App to a bank account, you’ll still be able to send and receive money. However, your abilities will be severely limited.

ATM Withdrawal Limits

One of the biggest drawbacks of not linking your Cash App to a bank account is that you won’t be able to withdraw money from an ATM. You’ll have to rely on other methods like cash cards to access your funds without a bank account. 

Inability to Add Funds 

You won’t be able to add funds without linking your Cash App to a bank account. Unfortunately, this means that the amount of money in your Cash App account will be limited to what you’ve sent via friends and family. 

Safety of Using Plaid with Cash App

Since Cash App has partnered with Lincoln Savings Bank to provide its customers with access to Plaid, you can rest assured that your banking information is safe and secure. 

Plaid engineers have a strict security policy in place that keeps all customer information confidential and secure. They use the latest encryption technology to protect your data from potential threats and malicious activities. Plus, they use additional security measures like two-factor authentication to add an extra layer of protection.

Moreover, there are thousands of banks, credit unions, and financial institutions that Plaid works with. This can definitely attest to the security and trustworthiness of their services. 

Other Financial Institutions That Use Plaid Services

Plaid provides its services to more than 11,000 financial institutions. Besides Cash App, some of the most popular financial services that use Plaid include:

  • Acorns
  • Bank of America
  • Capital One
  • Chase
  • Chime
  • Fidelity
  • Green Dot
  • Interactive Brokers
  • PayPal
  • Robinhood
  • US Bank
  • Venmo


Using Cash App with Plaid is an easy, secure, and reliable way to link your bank account. Thanks to Plaid’s cutting-edge security measures, you don’t have to worry about your banking details falling into the wrong hands. Plus, Plaid works with more than 10000 financial institutions, so you’re almost guaranteed to find a bank that can be linked to Cash App. 

Hopefully, this guide has answered all of your questions about what bank is Cash App on Plaid and how to link it. If you have any further queries, feel free to leave a comment below. Thank you for reading!

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