Does Cash App Direct Deposit Come Early?
Does Cash App Direct Deposit Come Early?
Setting up direct deposit on the app is a relatively painless procedure. In just five easy-to-follow steps, you can send and receive money.


This is an interesting question. And the answer is “kind of”. It depends on how you look at it. Cash App makes your funds available as soon as they receive them, and you can access your money immediately.

However, there are some cases where there are delays and holds. We usually see this with new users, international payments, and any transfer that’s flagged for some reason.

The honest answer is no. We are just living in a society where people are used to waiting for their money until traditional banking systems allow them to access their own funds.

There are a few cases where people have reported receiving their deposit early. If this happens, it’s likely because the person’s employer processed the transaction earlier than usual, and we don’t recommend relying on it.

There’s no guarantee that you’ll receive your deposit early, but it’s always worth checking with your employer to see if they offer early direct deposit.

How Do I Set Up Direct Deposits with Cash App?

Setting up direct deposit on the app is a relatively painless procedure. In just five easy-to-follow steps, you can send and receive money.

5 Steps to Set Up Direct Deposit on Cash App

1. Verify your Cash App

During the sign-up procedure, all Cash App customers should already have their accounts linked to their bank accounts. Although Cash App does not need users to authenticate their identity, it has some benefits. One of them is the ability to utilize Cash App’s direct deposit option.

Cash App will request the following details to verify your account:

Your full name

Date of birth

The last four digits of your Social Security Number

Your mailing address

No, you can proceed to verify your Cash app through the following steps:

  • Open the App
  • Click — “Balance”
  • Select ”Add Card”
  • Type in personal details as instructed
  • Provide your SSN
  • Take a picture of any government-approved ID
  • Take a selfie
  • Now that your Cash App is verified, you can activate your Cash App Card. Note: you must be at least 18 years old to verify your account and receive a Cash App card.

2. Activate your Cash App Card

Your Cash App card is a free debit card linked to your account. All verified users are eligible, but you’ll still have to put in a request to have one sent to you. Here’s how to do it:

  • Open the App
  • Select “Cash Card” or the rectangular icon
  • Select “Get Free Cash Card”
  • Choose a color
  • Select “Tap To Customize”
  • Write or draw your signature — select “Done”
  • Enter your mailing address — choose “Next”
  • Confirm your first and last name — tap “Next”
  • Review the fees, terms, and conditions — tap “Continue”

You should receive your card in around ten business days. Once it comes in the mail, you need to activate it, just like any other credit or debit card. Follow these steps:

QR Code method:

  • Open the App
  • Select “Cash Card” or the rectangular icon
  • Tap “Activate Cash Card”
  • Scan the QR code using your device camera

If you prefer to activate your Cash App card without the QR code, you can try the following approach:

  • Open the App
  • Select “Cash Card” or the rectangular icon
  • Choose “Activate Cash Card”
  • Pick “Missing QR code” then select “Use CVV instead”
  • Enter your code and card expiration date on your card
  • Click “Confirm”

3. Get your Bank Account and Routing Numbers

Cash App, like any banking institution, will assign you an account and routing number. Once you enable this option, you can copy and paste or physically write down the numbers to give to your employer.

Open the app

  • Tap on the “My Cash” tab
  • Select “Cash”
  • Scroll down — click “Direct Deposit”
  • Tap “Get Account Number”
  • On the pop-up screen — tap “Enable Account”
  • Select “Copy Account Details” and “Copy Routing Number”
  • Take note of the numbers

4. Provide the Bank Account and Routing Number from Cash App

Once you have your bank account and routing number, you can send it to anybody who wants to make a direct deposit into your cash app account. The deposit or simply needs to follow these steps to put money in your account:

  • Open the Cash App
  • Tap the “Banking” tab
  • Pick “Deposits & Transfers”
  • Type in the provided account and routing numbers

When making a standard transfer by debit or bank account, direct deposits are free. Cash App will charge an additional 3% fee on top of the deposit amount if the depositor uses their credit card to make the transfer.

5. Check if the Direct Deposit Was Successful

After your depositor pays you, you will get the money within 1–5 business days, or as quickly as instantly if they choose to pay an extra fee. When the balance is updated, the Cash App will notify you.

To see your balance, you must go to the Cash App home screen on your phone. After you’ve seen the amount reflected in your Cash App balance, you may now make transactions.