How To Deposit A Check On Cash App

Cash App is a peer-to-peer money transfer service that operates in the US and the UK. The platform does not allow international transfers other than between the two countries. It is purely an online service that requires you to open an account online to manage your finances using a smartphone, tablet, or computer. There are various kinds of transactions that you can make with the platform. You will learn how to deposit a check on Cash App later.

A check is a written and signed document that directs a financial institution to withdraw money from the writer’s account. Usually, you have to write a check addressing a particular person. However, you can also write a check without explicitly addressing a particular person. The documents allow you to pay for goods and services or transfer money from your account to another account. Nowadays, you can deposit a check online.

For your information, Cash App is a product of Square, a payment platform that operates in the US. Square allows businesses to accept payments easily through points of sale systems or other applicable methods. Square started the service in 2013 to compete with other payment platforms such as Apple Pay, Venmo (from Paypal), and Google Play. It still offers stiff competition to the platforms mentioned above. 

How to get started with Cash App

As I have mentioned above, Cash App is purely an online platform. Therefore, you have to open an account online to start using the platform’s services. Before opening an account, you must have various things such as a phone number, email address, bank account, debit card, or credit card. You also require a secure internet connection. 

It is easy to get started with the platform as it just requires you to download the app for iPhone or Android phone, create a Cash App account, connect Cash App to your bank account, and then add cash to your Cash App.

The bank account allows you to fund your transitions. Even though you can add money to Cash App without a debit card when you receive funds from others, a bank account remains very important. 

You can create your account using a smartphone or tablet in the following manner.

  • Download the app from the relevant sites.
  • Hit on the app to launch it.
  • Enter your phone number or email.
  • Check the secret code sent via text or email and enter it where appropriate. 
  • Invite friends to sign up and earn cash if you like.
  • Enter your debit card details to link your bank to Cash App.
  • Choose a $Cashtag, which is a unique username to use to send and receive funds.
  • Next, enter your zip code and complete the registration.

At that point, you will start using Cash App for various kinds of transactions. You can provide your details such as the phone number, the $Cashtag, or email to others and instantly receive money from Cash App users. 

Can you open two Cash App accounts?

how to deposit a check on cash app

It is okay to have two or more different Cash App accounts to serve your financial needs. Maybe you want a personal account and another one for your business. To avoid mixing your business and personal transactions, having two accounts will serve you better.

However, you will ensure that you use separate details from the other account. That means you will use an email and phone number not used with another account. Cash App does not allow one to use the same phone number and email for two different accounts. 

How to add money to Cash App?

You need money to carry out various transactions with your profile. There are various ways one can add money to their account. They include the following. 

1) Add money from a linked bank or credit card

The bank account that you add when opening an account allows you to add money to Cash App. The platform supports various banks within the US, and you can be sure that it will be a walk in the park adding money to your account. You can even use online money technologies such as Chime to load money to Cash App. For example, one can transfer money from Chime to Cash App once they link the two services. 

Using a bank account to add money to your account is free. In most cases, Cash App allows you to add the debit card that links to your checking account, and that way, you will still be getting money from your bank account. You can use the following process when adding money to your account.

  • Tap on your App to launch 
  • Hit on the bank icon in the lower-left corner of your screen to open the Banking tab
  • Select the Add Cash button
  • Enter the amount of money to add 
  • Tap the Add button

The funds will arrive within the stipulated time to begin utilizing them. 

2) Receive money from others

You can get money from others as long as you share your transfer details. Sending and receiving money on the platform is free, and instantly. If you want a friend to send you money, you can request funds from them in the following manner. 

  • Tap the $ for the main screen.
  • Enter the amount of money you want to receive.
  • Tap Request to search for a $Cashtag, email, or phone number.
  • Add a note (optional).
  • Tap Request to finish the transaction.

Once your friend or relative gets the message, they can send you money as long as they understand why they are sending it. Cash App always requests users not to send money out of pressure and more so to people you do not know.

Therefore, it is advisable to call the concerned person and inquire if they are asking for money. You can therefore expect your friend or relative to call you and ask about the request. 

3) Add from a credit card

You can add finances from a credit card as long as you have added it as a funding source. The process is the same as when adding money with a debit card, and you may need to select the card as the source of funds for your account. 

4) Direct deposit

Direct deposit allows you to receive payroll payments from your employer. You can also get government benefits such as tax returns, unemployment benefits, retirement benefits, and so on. You can set up direct deposit by filling in the direct deposit form from the concerned source as accurately as possible.

Since the concerned source has to transfer money using the routing number and account number, you must provide them when filling out your direct deposit form. 

You can follow the procedure below to get the Cash App routing and account numbers.

  • Hit on the Banking tab on your home screen.
  • Select the routing and account numbers below your balance.
  • Copy the account and routing numbers.

After that, you can then provide the numbers when setting up a direct deposit. You can set up your direct deposit in the following manner. 

  • Hit on the Banking tab on your home screen
  • Select Direct Deposit
  • Choose ‘Get Direct Deposit Form’
  • Fill out your employer details the amount you expect from each paycheck and include your signature
  • Tap Email Form and enter the recipient email address, and tap send

5) Check deposit

Another way you can add money to your account is through a check deposit. As I mentioned earlier, you do not have to visit your bank to deposit a check, as you can do it online. Once Cash App processes and accepts your check, the funds will reflect in your account.

How to deposit a check on Cash App?

If you didn’t know that you can deposit a check on Cash App, you must be curious to find out how you can do it. Well, there is nothing difficult in the process. You can follow the steps below to deposit your check.

  • Sign the back of your check.
  • Log in to your Cash App account and navigate to the Check Deposit section
  • Take photos of your checks and upload them to your account as per the instructions.
  • Follow prompts.

You can only submit an eligible check to ensure that it will not be rejected. Once you finish the capture, you should keep your check for two weeks as Cash App may need to contact you about various issues with the check. You must therefore keep your contact details up to date. 

How to transfer finances from Cash App to a debit card?

Most users always want to know how to transfer money from Cash App to a debit card or bank account to withdraw money sent to them. You need to master a few steps, and you are good to go. The following are the guidelines you should use when transferring money to your account. They apply to both bank and debit card transfers.

  • Log in to your Cash App account.
  • Hit on the Balance tab.
  • Select Cash Out.
  • Choose an amount and tap Cash Out.
  • Select deposit speed.
  • Confirm the transfer with your PIN or Touch ID.

You can choose instant transfer when sending funds to a debit card or standard transfer when transferring to your bank account. Most online platforms have the option to withdraw funds to a bank account or payment card.

For example, one can transfer money from Chime to a bank account online using the routing and account numbers of the concerned bank account. 

Bottom line

Cash App is a money transfer platform that allows you to send and receive funds. The company operates in the US and the UK. You must create an account online to use various services from the platform. It aimed to compete with other payment services such as Apple Pay, Venmo, and Google Play.

There are various methods you can use to add money to Cash App, such as direct deposit and check deposit, among others.