If you have ever tried to fill out a direct deposit form, a tax document, or a KYC verification using Cash App, you have probably asked this question:

What is the bank name for Cash App?

The confusion is understandable. Cash App looks and feels like a bank, but it is not a traditional bank. Still, it provides routing numbers, account numbers, and even FDIC insurance. So where does the “bank name” come from?

In this guide, you will get a complete and clear answer. We will explain the official Cash App bank names, why there are two of them, how to find your own bank name inside the app, and how to use it correctly for salary, taxes, and verification forms.

Key Takeaways

  • Cash App does not have its own bank

  • It uses Lincoln Savings Bank and Sutton Bank

  • Your correct bank name depends on your account

  • Always check inside the app before filling forms

  • Cash App is safe, but not a full bank replacement

What Is the Bank Name for Cash App?

Cash App does not have its own bank.
Instead, it partners with FDIC-insured U.S. banks.

The two official Cash App bank names are:

  • Lincoln Savings Bank

  • Sutton Bank

Which bank applies to you depends on your Cash App account and features like direct deposit.

Is Cash App a Bank?

No. Cash App itself is not a bank.

Cash App is a financial technology app owned by Block, Inc. It provides banking-like services such as:

  • Sending and receiving money

  • Direct deposit

  • Debit card access

  • Routing and account numbers

However, all actual banking services are handled by partner banks that are regulated and FDIC insured.

This setup is common among fintech apps and is completely legal and safe.

Why Does Cash App Use Partner Banks?

There are three main reasons:

1. Regulatory compliance

Only licensed banks can hold deposits and provide FDIC insurance. Cash App works with banks to stay compliant with U.S. banking laws.

2. FDIC insurance

Your money is insured up to $250,000, but only because it is technically held at a partner bank.

3. Banking infrastructure

Routing numbers, ACH transfers, and direct deposit systems all come from the partner banks.

Official Cash App Bank Names Explained

Lincoln Savings Bank

Lincoln Savings Bank is commonly used for:

  • Cash App accounts with direct deposit

  • ACH transfers

  • Salary payments

This bank is based in Iowa and is fully FDIC insured.

Many users see Lincoln Savings Bank listed when they check their routing number details inside Cash App.

Sutton Bank

Sutton Bank is primarily associated with:

  • Cash App debit cards

  • Card-related transactions

  • Some account structures

Sutton Bank is based in Ohio and is also FDIC insured.

If you are using a Cash App card, this bank name may appear on certain forms.

Why Do Different Users See Different Bank Names?

This is one of the most common sources of confusion.

Cash App assigns partner banks based on:

  • Account setup

  • Enabled features (direct deposit, card, etc.)

  • Internal backend systems

So if your friend sees Sutton Bank and you see Lincoln Savings Bank, both can be correct.

How to Check Your Cash App Bank Name (Step-by-Step)

Instead of guessing, always check directly in the app.

Method 1: Through the Banking Tab

  1. Open Cash App

  2. Tap the Money or Banking tab

  3. Select Routing & Account Number

  4. Note the routing number

  5. Match it with the displayed bank information

Cash App usually shows the associated bank clearly.

Method 2: Through Direct Deposit Settings

  1. Open Cash App

  2. Go to Direct Deposit

  3. Tap Get Account Details

  4. You will see:

    • Account number

    • Routing number

    • Bank name

This is the most reliable method.

Cash App Routing Number Explained

A routing number identifies the bank that holds your account.

Cash App routing numbers are:

  • Issued by Lincoln Savings Bank or Sutton Bank

  • Used for ACH payments and direct deposit

Important points:

  • Not all users have the same routing number

  • Routing numbers can change if Cash App updates its banking partner

  • Always use the routing number shown in your app

Cash App Bank Address (For Forms and Verification)

Some forms ask for a bank address.

If your bank is Lincoln Savings Bank:

  • Use the official address listed by the bank

  • Typically required for payroll or tax forms

If your bank is Sutton Bank:

  • Use Sutton Bank’s official registered address

Important:
Never guess the address. Use it only when required, and always confirm inside the app or official documentation.

Is Cash App FDIC Insured?

Yes, Cash App balances are FDIC insured up to $250,000, but only under specific conditions.

How FDIC insurance works with Cash App:

  • Your funds are held at partner banks

  • Insurance applies if the partner bank fails

  • Coverage limit is per user, per bank

This protection is similar to what you get with a traditional bank account.

Can You Use Cash App Like a Bank Account?

To some extent, yes.

What you can do:

  • Receive salary via direct deposit

  • Store money securely

  • Send and receive payments

  • Use a debit card

  • Receive tax refunds

What you cannot do:

  • Visit a physical branch

  • Write checks

  • Get traditional loans

  • Access full banking services

Cash App works best as a digital spending and receiving account, not a full replacement for a bank.

Cash App Bank Name for Direct Deposit (What to Enter)

When filling out a direct deposit form, enter:

  • Bank Name: Lincoln Savings Bank or Sutton Bank (as shown in your app)

  • Routing Number: From Cash App

  • Account Number: From Cash App

  • Account Type: Checking

Using the wrong bank name can delay your payment.

Cash App Bank Name for Taxes and Government Forms

If you are using Cash App for:

  • Tax refunds

  • Government benefits

  • Employer payroll

  • Verification forms

Always:

  • Use the exact bank name shown in your app

  • Match routing and account numbers exactly

  • Avoid using “Cash App” as the bank name unless explicitly allowed

Common Problems and How to Fix Them

Problem 1: Direct deposit delayed

Cause: Wrong bank name or routing number
Fix: Re-check details inside the app

Problem 2: Form rejected

Cause: Using “Cash App” instead of partner bank name
Fix: Replace with Lincoln Savings Bank or Sutton Bank

Problem 3: Verification failed

Cause: Mismatch between bank name and routing number
Fix: Ensure both belong to the same partner bank

Is It Safe to Share Cash App Bank Details?

Yes, as long as you share them only with trusted entities like:

  • Employers

  • Government agencies

  • Tax authorities

Never share:

  • Login credentials

  • PINs

  • Verification codes

Cash App vs Traditional Bank (Quick Comparison)

Feature Cash App Traditional Bank
Bank name Partner bank Own bank
FDIC insured Yes Yes
Branch access No Yes
Fees Low Varies
Direct deposit Yes Yes
Loans No Yes

Final Thoughts

The search for “Cash App bank name” usually comes from a practical need, not curiosity. Whether you are setting up direct deposit, filing taxes, or verifying your account, accuracy matters.

Instead of guessing or copying someone else’s details, always rely on what Cash App shows inside your own account. That single step can save you from delays, rejections, and unnecessary stress.