Cash App is among the most used money transfer platforms in the United States. It is a product of Square, a payment service that helps businesses to accept payments. Being among the most prominent mobile wallets in the country, the service has millions of users who value transacting across the platform. Sutton Bank and Lincoln Savings Bank provide the account services for the company. Later, we shall see how you can change the Sutton Bank Cash App routing number.
A routing number is a nine-digit code that helps financial companies identify other financial companies. The code is also called an RTN (Routing Transit Number). Financial institutions are many, and failure to have a unique way to identify them can be hectic. Imagine you want to send funds to someone having an account at Wells Fargo. It can be challenging for your bank to process your transaction. That is why the routing number came into existence.
The routing number usually goes hand in hand with the account number. There is no way you can send money with the routing number only. You need the account number for the specific account and, the bank identifier, the routing number. Most people usually think that mobile wallets such as Cash App do not have a routing number. It is essential to understand that every financial company must have a nine-digit code.
How do I open a Cash App account?
If you want to transact using Cash App, you must first open an account with the platform. Since the service operates online, you will need an internet-enabled device such as a smartphone, tablet, or computer. In most cases, people usually download the Cash App from the Play Store or App Store and start opening accounts from that point.
To use the platform, you need to;
- Download the application for iPhone or Android
- Create your Cash App account
- Connect the Cash App to your bank account
- Add money to your Cash App
To open an account through the mobile app, follow the process below.
- Tap on Cash App to launch it
- Enter your phone number or email address
- Check the secret code sent through text or email so that you enter it to confirm your phone number.
- Also, you can invite your friends to sign up with the service to earn cash.
- Next, enter your debit card details to link your bank to Cash App
- After that, you should pick a $Cashtag that will be your unique username to send and receive money.
- Input your zip code.
- Start using the app to send and receive money from Cash App users.
How do you add finances to Cash App?
Once you open your account, you need to add money to your account to start transacting. There are various ways you can add money to your account, including the following.
i) Add money from your bank account
You can easily add finances from your linked bank account. You only need to follow the steps below to accomplish the process.
- Launch the Cash App
- Hit on the bank icon in the lower-left corner to open your Banking tab
- Hit the Add Cash button
- Enter the amount to add to the Cash App
- Hit on the green Add button
ii) Receive funds from others
Another way you can add finances to Cash App is to receive money from others. You need to provide them with your #Cashtag user name and receive the funds. It is fast and convenient to recharge your account using the method as funds transferred reflect immediately in your account. Receiving money from others is one way to add money to Cash App without a debit card.
iii) Direct deposit
Cash App allows you to set up a direct deposit to receive finances from your employer or government agency. You only need to fill out a direct deposit form with the necessary details, including the routing and account numbers, and you are good to go. Direct deposit is a safe method to receive finances. Most people think you can only receive direct deposits using your bank account, which is not the case.
iv) Use a credit card
The service allows you to use your credit card to fund your transactions. A debit card is a payment card that allows you to borrow from your issuer. However, using a credit card to add money to Cash App attracts a lot of fees that Cash App charges. Also, your card issuer takes that as a Cash Advance and may charge you a high APR on the used amount.
How do I use Cash App?
Once you set up your account, the next thing is to start using the service. There are various ways to use Cash App, including the following.
1) Pay for goods and services
Numerous businesses accept payments using Cash App. They have Cash App accounts, too, and you only need to get their #Cashtag name, and you are good to go. There is a significant advantage to using the Cash App to make your payments. First, you do not have to carry cash in your pockets to shop, which can be risky.
You also need to know that Cash App issues a debit card called Cash Card that you can utilize to buy goods and services online and at physical stores. You can tap or swipe to pay at physical stores or provide your card details such as the card number, expiry dates, and the security code.
2) Send money
You can send money to others using your Cash App account. As I have mentioned somewhere up, you only need the #Cashtag username of the recipient to send them money. Sending money on Cash App is instantaneous, and thus recipients can get the funds immediately. You can use the steps below to send money.
- Hit on the $ on the Cash App main screen.
- Enter the amount of money to transfer.
- Hit on Pay and search for a Phone number, $Cashtag, or email address
- Add a note (optional)
- Tap Pay to finish the transaction
3) Request money
You can also utilize Cash App to request money from other Cash App users. As long as they know you personally, they may be able to send finances to your account. The following is the procedure to request money from other Cash App users.
- Hit on the $ on the Cash App main screen.
- Enter the amount of money to transfer.
- Hit on Request to search for a Phone number, $Cashtag, or email address
- Add a note (optional)
- Tap Request to finish the transaction
4) Withdraw money to your bank account
You can utilize your Cash App account to transfer money to your bank account. When you link a bank account to Cash App, you usually have a chance to withdraw money from the account. Also, you can transfer money from Cash App to a debit card instantly but part with a small fee for the transaction. Therefore, if you receive finances from your employer and need to save a fraction of your earnings, you have to move the funds to your account and save.
You can transfer money from Cash App to a bank account in the following manner.
- Log into your Cash App account.
- Tap your balance on the screen to open the Banking tab
- Hit on the Cash Out button
- Tap to enter the amount of money you want to withdraw
- Hit the Cash Out button
You will need to choose the deposit speed in the money transfer process. Cash App has two kinds of deposit speeds. You can use the standard deposit method to your bank account or Instant Deposits that moves to your linked debit card. The standard deposit method is free and arrives in your account within 1-3 business days. Instant Deposits attract fees between 0.5% -1.75% (with a minimum fee of $0.25), but the funds arrive instantly on your debit card.
It is impossible to make an instant transfer with routing and account number to your bank account from the above explanation. You will require a debit card that links to your bank account to avail yourself of funds instantly.
How to find it and change the Sutton Bank Cash App routing number
Sutton Bank facilitates the process of Cash App direct deposit. The Cash App routing number is from Sutton Bank, and when setting up a Cash App direct deposit bank, you should provide Sutton Bank as the bank’s name. The routing number is usually 041208777 or 041215663.
To find your routing number, you will need to follow the steps below.
- Open the Cash App on your phone to log in.
- Navigate to the “My Cash” tab.
- Tap on the “Cash” menu.
- Tap “Get Account Number”
- Hit on “Enable Account.”
- Tap on “Copy Account Details.”
- Select “Copy Routing Number”
Once you have copied the routing number, you can use it where necessary. Unfortunately, you cannot change your routing and account numbers. To change your Cash App routing number, you must create a new account. Make sure you use a different phone number and email address from the current ones.
Bottom line
Cash App is among the money transfer companies in the United States with millions of users. It allows you to open an account online with a smartphone, tablet, or computer. You can use the service in various ways, including sending money to others, withdrawing money to a bank account, and purchasing goods and services. You can set up a direct deposit to your Cash App account using the routing and account numbers provided by Sutton Bank or Lincoln Bank.
