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Why Is My Bank Declining Cash App?

Cash App is one of the most convenient payment services, but likely any service, it’s still prone to errors. Whether it be standard crashes and glitches or transfer problems, Cash App isn’t perfect, no matter how convenient it is. So, why is my bank declining Cash App?

Your bank is likely declining Cash App due to an expired card, incorrect card information, or a problem with your routing number. Some banks only let you use your debit card for Cash App transfers, so your routing number simply may not work. Banks also decline Cash App transfers when you exceed your daily withdrawal limit or if they suspect suspicious activity.

Contact your bank to see if the problem is on their end and to make sure your routing information is correct. You may simply need to authorize them to let you connect your account to Cash App. Follow along as we explore why your bank is declining Cash App and see what you can do to solve the problem.

Why Did My Bank Decline My Cash App Transfer?

Cash App Needs an Update

If your bank is declining Cash App but you have enough money in your account to cover the transfer, it may have to do with the app itself. You can tell this is the case if you contact your bank and they tell you the problem is on Cash App’s end. Check the app store for available updates and update Cash App.

Otherwise, you can uninstall and reinstall the app to see if that fixes the problem. In some cases, you may have to wait for a new update to come out until they fix the problem. Contact Cash App’s customer support to create a ticket so they know about the problem if the update doesn’t fix it and your bank says it’s unrelated to them.

Watch This Video Before Reading Further

Low Bank Funds

You cannot send money through Cash App if the amount exceeds the funds in your checking account. This is a good thing as it can help prevent overdraft fees. If this is the case, check to see if you can transfer funds from your savings to your checking account if your bank is declining Cash App.

Expired Card

Both your bank and Cash App can decline a transaction if your card is expired. You won’t be able to send or receive funds with an outdated card. Check the expiration date on your card to make sure it’s not expired.

Request a debit card from your bank right away because you don’t want to be without one for several days or even weeks.

Card Information Error

Even if your card isn’t expired, your bank will decline a Cash App transaction if you have incorrect card information. Cash App requires you to enter your debit card information or connect your checking account to your account. It’s easy to accidentally enter a number incorrectly when you link your card to Cash App.

Simply double-check and cross-reference your debit card with the card information on Cash App. Reenter the information and make sure everything is correct, then try to make the transfer again.

Exceeded Withdrawal Limit

Banks have daily withdrawal limits to protect their customers. While this is a good thing, it can be annoying when you exceed your daily withdrawal limit while using Cash App. Check to see how much you have spent or been charged that day to see if you exceed your limit.

Luckily, many banks let you change your daily withdrawal limit. This is typically reserved for loyal customers with great track records. Otherwise, you can simply wait until the next day and try to make the transaction again.

Bank Security Settings

Depending on your security settings, your bank may block payments made through external systems. This includes Cash App, Venmo, and Cash App in some cases. This can happen because of past agreement violations or because you accidentally restricted your access.

Contact your bank to ensure there is no problem and that you can connect your account to Cash App so your transactions won’t be declined.

Suspicious Account Activity

Banks frequently decline transactions due to suspicious account activity. Contact your bank to see why they are declining your activity, and authorize the transaction if they say it’s because of suspicious activity. They will likely request you to answer certain security questions or visit the bank in person, but you can often do this over the phone.

Why Won’t My Bank Allow Me to Use Cash App?

Your bank may not let you use Cash App if you don’t provide the routing number. Contact your bank or check your online banking account to find your routing number. Enter this number on Cash App so you can make transfers.

In some cases, you must ask your bank for permission to link your account to external accounts, such as Cash App. Contact your bank to ask them why it won’t work. They may simply require you to request authorization, and that’s easy to clear up with a conversation.

As a Redditor pointed out, Cash App transfers only work via debit card instead of the routing number. This varies based on the bank, so try to use your debit card instead if Cash App is declining your bank account.

What Banks Work With Cash App?

The only banks that Cash App works with directly are Sutton Bank and Lincoln Savings. Cash App isn’t a bank itself, but it collaborates with Lincoln Savings to handle the direct deposit feature they offer. Sutton Bank is the bank that Cash App works with to provide the Cash Card.

The Cash Card is Cash App’s debit card. While they don’t work with any other banks directly, Cash App is compatible with most major U.S. banks.

So, Why Did My Bank Decline Cash App?

Your bank likely declined a Cash App transaction because of insufficient funds or because of a problem with your debit card information. Check your account details to make sure your card information matches and that it isn’t expired. Otherwise, you may have simply exceeded your daily withdrawal limit or triggered your bank’s security protocols if they suspect suspicious activity.