Can You Put Cash on a Cash App Card at an ATM?

Cash App has become a widely used mobile payment service, offering a convenient way to send, spend, and manage money digitally. Many users wonder about the process of adding physical cash to their accounts, particularly whether ATMs can be used for deposits. Understanding the available methods for funding a Cash App account is important for efficient financial management.

Using ATMs for Cash App Card Deposits

Directly depositing physical cash onto a Cash App Card at an ATM is not a supported feature. The Cash App Card functions as a debit card linked to your digital Cash App balance, primarily allowing you to spend funds already in your account or withdraw cash from ATMs. While some ATMs facilitate cash deposits for traditional bank accounts, this functionality does not extend to direct deposits for Cash App.

Other Ways to Add Money to Your Cash App Account

While ATMs do not support direct cash deposits to a Cash App Card, several other methods are available to add funds to your Cash App account. These options ensure flexibility for users needing to convert physical cash into their digital balance or transfer money from other financial sources.

You can deposit cash at participating retail locations through Cash App’s “Paper Money” feature. To do this, open the Cash App, navigate to the Banking tab, and select “Paper Money.” The app will display a map showing nearby stores that accept cash deposits, including major retailers like 7-Eleven, Walmart, Walgreens, CVS Pharmacy, and Dollar General. Once at a participating store, inform the cashier you wish to add money to your Cash App, then present your cash and allow them to scan a barcode generated in your app. The funds are typically added to your Cash App balance instantly or within a few minutes.

Another common method involves linking an external bank account to your Cash App. Through the app, you can initiate transfers from your linked bank account directly to your Cash App balance. This process is generally free when using a debit card or bank account. If you choose to use a credit card to add funds, a fee of approximately 3% will apply.

Setting up direct deposit is a convenient way to regularly fund your Cash App account, especially for paychecks or government benefits. You can obtain your unique Cash App routing and account numbers within the app’s Money or Banking tab. These numbers can then be provided to your employer or benefit provider to arrange for automatic deposits directly into your Cash App balance. Before enabling direct deposit, you may need to order and activate a Cash Card.

Lastly, you can receive money from other Cash App users, which automatically adds funds to your balance. This peer-to-peer transfer feature is a fundamental aspect of the Cash App service.

Key Details for Cash Deposits

When adding funds to your Cash App account, it is important to be aware of specific details regarding limits, fees, and processing times. These parameters help users manage their expectations and avoid potential issues with transactions.

For cash deposits made at retail locations, there are specific limits. You can deposit a minimum of $5 and a maximum of $500 per single transaction. The daily limit for paper money deposits is $1,000, with a rolling 7-day limit of $5,000 and a rolling 30-day limit of $10,000. Each retail cash deposit incurs a flat-rate $1 processing fee, which is automatically deducted from the deposited amount. This fee can be waived if you receive $300 or more in paychecks through direct deposit to your Cash App account each month.

Direct deposits, such as paychecks or tax refunds, have significantly higher limits, allowing up to $25,000 per single deposit and up to $50,000 within a 24-hour period. Funds from retail cash deposits are typically available instantly or within a few minutes after the transaction is completed. Direct deposits are often available as soon as they are received by Cash App, which can be up to two days earlier than many traditional banks, though the processing time can vary from 1 to 5 business days from the scheduled arrival date.

To access higher deposit limits and other features, such as ordering a Cash Card, buying Bitcoin, or investing in stocks, identity verification is required. This process typically involves providing your full legal name, date of birth, and the last four digits of your Social Security Number. In some instances, a government-issued photo identification may also be requested to complete the verification process. Accounts that remain unverified typically have a balance limit of $1,000.