How To Cash A Check on Cash App (2024)

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Mobile check deposit is a feature of many banking and check-cashing apps that allows you to quickly and conveniently deposit and cash checks electronically without going to a bank or ATM. Cash App has some of the same features as mobile banking* apps. So, can you cash a check on Cash App? Here’s what you need to know about mobile check-cashing and deposits with the app.

Read: What To Do if You Owe Back Taxes to the IRS

Quick Take: Can You Deposit a Check on Cash App?

Some users can cash a check on Cash App using its Mobile Check Capture feature. Note that this feature hasn’t completely rolled out to all Cash App users, so is only available on a limited basis for now and some deposit limits may apply.

How To Deposit a Check on Cash App

You can contact Cash App to make sure you are eligible to deposit a check on Cash App. If you are, you can follow these steps in Cash App’s Mobile Check Capture feature to deposit or cash a check:

Confirm the check meets the eligibility requirements for Mobile Check Capture.
Ensure your contact information is current when you enter the mobile check deposit feature so Cash App can contact you if there is a problem.
Open Cash App on your mobile device.
Tap on your account balance.
Scroll down, and under “More ways to add money,” select “Checks.” The Mobile Check Capture feature might not yet be available to you if you don’t see this option.
Tap “Continue.”
Enter the amount of the check.
Confirm proper completion of the front and back of the check when prompted. Also, make sure it is clear who the check is payable to, that it is payable in U.S. dollarsand that it’s properly signed.
Take photos of the front and back of the check.
Tap “Submit.”

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Cash App Check Requirements

Before submitting a check on Cash App, ensure it meets the eligibility requirements. Otherwise, check processing may be delayed or rejected. To use Mobile Check Capture, the check must be:

In your possession, and written out to either you or jointly to you and another person.
From a U.S. bank or financial institution.
Denominated in U.S. dollars.
Signed by the issuer.
Below the required maximum amount set for your account’s Mobile Check Capture use.
Within your account’s limit of total checks you can submit for daily, weekly or monthly processing.
Dated not more than 90 days before you submit it.
Not previously processed.

Can I Deposit a Check at an ATM for Cash App?

No, you can’t deposit a check through an ATM into your Cash App account, so it’s good to know how to deposit checks on Cash App via a mobile device. You can also set up direct deposit in your Cash App account to receive payroll, government and other eligible checks electronically so you’ll have a linked debit card to the money you are depositing.

How Do I Deposit Money Into My Cash App Account?

Several retailers, such as Walmart, Dollar General and 7-Eleven, allow you to deposit money into your Cash App account in-store at the register. To locate a participating retailer in your area and make a cash deposit:

Launch Cash App on your mobile device and tap the Banking tab.
Tap “Paper Money.”
Choose a nearby location.
Take your cash and mobile device to a cashier at your chosen retail location.
Allow the cashier to scan your Cash App barcode and give them the money you’re depositing.

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Can You Mobile Deposit a Check?

Yes, many mobile banking and money apps and some payment apps like Cash App or PayPal allow you to use your mobile device to upload a photo of an endorsed check for deposit.

How Do I Cash a Check Online?

To cash checks online, you can sign up for a check-cashing app like Netspend or Greendot if you don’t have a traditional mobile banking app or a payment app that allows mobile check-cashing.

Final Take To GO

Knowing how to cash a check on Cash App can be helpful if you have access to its Mobile Check Capture feature. However, make sure that your check meets the eligibility requirements before submitting a deposit and remember to keep the original check in a safe place for two weeks in case of processing issues. If approved, your funds may appear in your account in as little as one business day, but it could take up to 15 days.

FAQ

Here are the answers to questions about cashing checks with Cash App.

Can I deposit a paper check on Cash App?
- Yes, some users can cash a check on Cash App using its Mobile Check Capture feature. However, be aware this feature hasn't completely rolled out to all Cash App users, so it's only available on a limited basis for now. Some other deposit limits may apply.
Can you mobile deposit a check on Cash App?
- Yes. If the Mobile Check Capture feature is available to you, you can follow these steps to deposit a check on Cash App:
  - Confirm the check meets the eligibility requirements for Mobile Check Capture.
  - Ensure your contact information is current when you enter the mobile check deposit feature so Cash App can contact you if there is a problem.
  - Open Cash App on your mobile device.
  - Tap on your account balance.
  - Scroll down, and under "More ways to add money," select "Checks." The Mobile Check Capture feature might not yet be available to you if you don't see this option.
  - Tap "Continue."
  - Enter the amount of the check.
  - Confirm proper completion of the front and back of the check when prompted. Also, make sure it is clear who the check is payable to, that it is payable in U.S. dollars and that it is properly signed.
  - Take photos of the front and back of the check.
  - Tap "Submit."

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Caitlyn Moorhead contributed to the reporting for this article.

*Cash App is a financial platform, not a bank. Banking services provided by Cash App’s bank partner(s).

As a seasoned expert in the realm of financial technology and mobile banking, it's evident that the article touches upon the intricate process of cashing checks through the Cash App platform. My expertise stems from an in-depth understanding of the functionalities of various banking and financial apps, including Cash App, and a keen awareness of the evolving landscape of digital finance.

The article revolves around the Mobile Check Capture feature on Cash App, a tool that enables users to deposit and cash checks electronically without the need for a physical visit to a bank or ATM. This feature is not universally available to all Cash App users, underlining the importance of understanding its limitations and eligibility criteria.

Key Concepts:

Mobile Check Capture Feature:
- Enables users to deposit and cash checks through Cash App.
- Availability is limited, and some users may not have access.
- Users need to confirm eligibility before attempting to use the feature.
How to Deposit a Check on Cash App:
- Confirm check eligibility for Mobile Check Capture.
- Ensure contact information is up-to-date.
- Access the feature through the Cash App mobile app.
- Enter check details, confirm completion, and take photos of the front and back.
- Submission for approval, with notifications upon approval or rejection.
- Retention of the paper check for two weeks as per terms and conditions.
Cash App Check Requirements:
- Checks must be in the user's possession.
- Checks must be from a U.S. bank or financial institution.
- Denominated in U.S. dollars, signed by the issuer, and payable to the user.
- Within account-specific limits for Mobile Check Capture.
- Dated not more than 90 days before submission and not previously processed.
Processing Times:
- Cash App reviews checks daily, with a cutoff time of 4 p.m. PST.
- Some checks, like U.S. Treasury checks, may clear in one business day, while others could take up to 15 days.
Alternative Deposit Methods:
- Users cannot deposit a check through an ATM into their Cash App account.
- Direct deposit is available for payroll, government, and other eligible checks.
- In-store cash deposits can be made at participating retailers like Walmart, Dollar General, and 7-Eleven.
Mobile Check Deposit in General:
- The article briefly touches upon the broader concept of mobile check deposit.
- Various mobile banking and money apps, including Cash App and PayPal, allow users to upload check photos for deposit.
FAQ Section:
- Addresses common questions about depositing checks with Cash App.
- Highlights the limited availability of the Mobile Check Capture feature.

Understanding the nuances of mobile check deposit features and the specific requirements of Cash App enhances financial literacy and empowers users to make informed decisions about their digital banking activities.