Cash App Terms of Service

Cash App Terms of Service If you signed up for Cash App on or after June 24, 2021, or if you accepted the new Terms of Service, please click here to see the terms that are applicable to you.

Cash App Terms of Service We’ve included annotations in the gray boxes below to emphasize certain portions of our notice and help guide you as you read them. The annotations aren’t summaries, so please take the time to read everything!

This page explains our terms for Cash App. By using the service you agree to these terms. If you use the service on behalf of your company, your company agrees to them too.

Cash App Terms of Service

Cash App Terms of Service These Cash App Terms of Service (the “Cash Terms”) govern your use of Cash App, a payment service and financial platform (the “Service”) offered by Block, Inc. (formerly known as “Square, Inc.”) (hereafter, “Block,” “we,” “our,” or “us”). By using the Service you agree to be bound by these Cash Terms, the E-Sign Consent, the Cash App Acceptable Use Policy, and the General Terms of Service (“General Terms”) and all other terms and policies applicable to each Service as set forth below (e.g.the Payment Terms if you are a Cash for Business Seller (defined below)). If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms. If you use the Service to transact in Bitcoin, you agree to the Additional Virtual Currency Terms of Service (collectively with the E-Sign Consent, General Terms, Cash Terms and Payment Terms, the “Service Terms”).

I. Stored Balance Disclosures

List of All Fees for Cash App Stored Balance

All FeesAmount
Get Started
Monthly Usage
Add Money
Spend Money
Get Cash
Information
Other
Account setup$0
Monthly fee$0
Direct Deposit$0
Receive money$0
Add Cash – External Account$0
Paper Money Deposit
Fee applies to paper money deposits at participating retailers. Check your app for a list of retailers in your area.
$1
Receiving a merchant refund$0
Sending money using your cash balance or debit card$0
Cash Out (standard)
No fee to transfer money from your Cash App account to a linked account with the standard option. The money is typically available in 1-3 business days.
$0
Instant Deposit
Fee for expedited transfer from your Cash App account to a linked account. Funds are typically available within minutes. The applicable fee amount is disclosed at the time of the transaction.
0.5%-1.75% ($0.25 min)
ATM withdrawal
Our ATM withdrawal fee is $2.50. You may also be charged a fee by the ATM operator. If you receive $300 or more in direct deposits in any given month, we will reimburse all fees for three ATM withdrawals (up to $7.50 in fees per withdrawal) over the following 31 days. Any additional withdrawals in the 31 day period will be $2.50.
$2.50
Customer service (in-app)$0
Customer service (email)$0
Customer service (phone)$0
ATM Balance InquiryN/A
Inactivity$0
Send from credit card3%

We currently do not offer overdraft or credit features.

Stored balances of Cash Card customers are eligible for FDIC insurance through our partner bank. These funds are insured up to $250,000 by the FDIC if our partner bank that holds your funds fails and specific deposit insurance requirements are met. If you do not have a Cash Card, your stored balance is not protected by FDIC deposit insurance at this time.

Contact Cash App at 1-800-969-1940, by mail at Cash App, 1455 Market Street, San Francisco, CA 94103, or at cash.app/help

For general information about prepaid accounts, visit cfpb.gov/prepaid

If you have a complaint about a prepaid account, call the consumer financial protection bureau at 1-855-411-2372 or cfpb.gov/complaint

Details About Your Cash App Stored Balance

Monthly Fee$0
Per Purchase Fee$0
ATM Withdrawal$2.50*
Paper Money Deposit$1
ATM Balance InquiriesN/A
Customer Service$0
Inactivity$0

We charge two other types of fees.

Send from Credit Card: 3%
Instant Deposit: 0.5%-1.75% ($0.25 min)

*This fee can be lower depending on how and where your card is used.

We currently do not offer overdraft or credit features.

Stored balances of Cash Card customers are eligible for FDIC insurance through our partner bank. If you do not have a Cash Card, your stored balance is not eligible for FDIC deposit insurance at this time.

For general information about prepaid accounts, visit https://cfpb.gov/prepaid

Find details and conditions for all fees and services at https://cash.app/legal/us/en-us/tos

Cash App Terms of Service
Cash App Terms of Service

II. Eligibility

Using the Cash App requires you open an account. You’ll need to be a U.S. resident and at least 18 years old. If you want to use your account balance to send money to another Cash App user, then you’ll need to give us some more information about you, and we’ll need to be able to verify your identity.

You must be a resident of the United States, at least 18 years and the age of majority in your State of residence, and you must register for an account (your “Account) to use the Service. Certain features of the Service will only be available for use in the United States. Some features, such as the ability to send money to another Cash App user with the balance in your Account, may be available only if you provide us with certain information about you and we are able to verify your identity.

III. Cash App Account and Communication

1. Cash App Account

Here’s the part where you tell us you own the email or phone number you registered with and that the personal information you provide to us is correct. You agree to cooperate with us so that we can verify your identity. We might use third parties to help us do so.

You represent and warrant that you own the email or mobile phone number you register with and all information entered or collected in the course of creating your Account and any information you subsequently add or update from your settings (“Account Information”) is true and accurate. All Account Information is subject to Block’s Copyright and Trademark Policy.

To register, open, use, or upgrade an Account, Block may require that you submit certain Account Information, including but not limited to your name, email address, text-enabled mobile phone number, street address, zip code, date of birth, social security number, and a government issued form of identification to Block.

When you first open your Account, it will be a “Restricted Account.” A Restricted Account has all the features and functionality described in these Terms of Service except that you cannot make a payment to another Cash App customer (including a Cash for Business Seller) using your Cash App Balance (defined below). With a Restricted Account you may link an external, U.S.-issued bank account (an “Eligible Bank Account”) (subject to these Terms of Service) to make a payment to another Cash App customer (including payments made to a Cash for Business Seller), and you may transfer funds from your Cash App Balance to your Eligible Bank Account. If you have a Restricted Account and you attempt to make a payment to another Cash App customer from your Cash App Balance, then you will be given the option of upgrading your Account to an “Unrestricted Account”.To upgrade your Account, you will need to provide us with certain personal information so that we can verify your identity. After we verify your identity, your Account will convert to an Unrestricted Account. If you decline to provide us with the information that we request or if we cannot verify your identity to our satisfaction (in our sole judgment and discretion) for any reason, then your Account will remain a Restricted Account and you will not be able to use your Cash App Balance to make payments to other Cash App users.

The first time you access your Account using a new device we may require you to authenticate your Account with additional information. If your Account cannot be verified you may be required to set up a new Account.

You hereby authorize Block, directly or through third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information and, for Cash for Business Accounts, your company or employer. This may include asking you for further information or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources.

In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law or the Service Terms, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us.

2. Receipts and Account Statements

You can find your transaction receipts and account statements in your Cash App account.

You have the right to receive a receipt for some of your Cash App transactions. Such transaction receipts can be found in the activity section of your Cash App and by logging into your Account at Cash.app.

You have the right to receive an Account statement. You may view your Account statement by logging into your Account at Cash.app.

You may obtain information about the amount of money you have remaining in your Account and can view your 12-month and 24-month history of Account transactions at www.cash.me/account.

Cash App Terms of Service
Cash App Terms of Service

3. Error Resolution

Contact us if you see any errors or issues with your account. Our contact info is below, along with a description of the process and timeline for us to look into your issue. We’ll need some basic information from you to begin our investigation.

In case of errors or questions about your account, you can Contact us through your Account in the app:

  • Open your profile and tap Support
  • Tap Something Else
  • Tap Cash Card
  • Tap Dispute a Purchase and follow the prompts to Contact Support. Once you’ve contacted support, we’ll send you a form to initiate an investigation.

You can also call us at 1-800-969-1940, please note (1) this is the only phone number customers can call for Cash App support, and (2) a Cash App representative will never ask you for your password, PIN, social security number or full debit card number. Or write us at Block, Inc., 1455 Market Street, Suite 600, MSC 211 San Francisco, CA 94103 as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 60 days after the date you electronically access your Account, if the error could be viewed in your electronic history. In order for us to assess the situation, you will need to tell us:

  • Your name and Account number;
  • Why you believe there is an error, and the dollar amount involved; and
  • Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, and your Account is registered with us, we will credit your Account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not credit your Account.

For errors involving new Accounts, as well as point-of-sale transaction, we may take up to 90 days to investigate your complaint of question. For new Accounts, we may take up to 20 business days to credit your Account for the amount you think is an error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 1-800-969-1940, please note (1) this is the only phone number customers can call for Cash App support, and (2) a Cash App representative will never ask you for your password, PIN, social security number or full debit card number.

For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

4. Your Liability for Unauthorized Transactions

Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you.

Please let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account.

We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above.

An “Unauthorized Transaction” occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions:

  • If you give someone access to your Account (e.g. by giving them your login information) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized;
  • If you, or someone else with whom you are acting in concert, act with fraudulent intent; or
  • You reverse engineer or chargeback a transaction made with your Cash Card.

Mobile Check Capture Services

This page explains the terms for the Mobile Check Capture service. By using the service you agree to these terms.

These Mobile Check Capture Terms govern your use of Mobile Check Capture which enables you to use Cash App, a financial platform offered by Block, Inc. (“Block,” “we,” “our,” or “us”) and certain hardware (such as a smartphone or other mobile device) approved by us to create electronic images of the front and back of certain eligible paper checks and to transmit those images and other information, including, without limitation, information captured from the Magnetic Ink Character Recognition (MICR) line for review, processing and loading into your Cash App Balance. Cash App reserves the right to suspend or terminate your access to Mobile Check Capture at any time, and for any reason.

I. General Information

This section defines what an Electronic Check is and details what data we collect from the Electronic Check. It also informs you that we may decline to process your check or reverse our decision to process your check. To protect yourself, you should retain your paper check for two weeks. You agree not to use this feature to disrupt Cash App or to conduct illegal activity.

  1. “Electronic Check” means the electronic image of, and electronic information derived from, a paper check that is collected by Cash App in connection with the submission of the check image for Mobile Check Capture, as well as any associated data, including information provided by you.
  2. When you submit an Electronic Check, Cash App may capture and retain various information from the mobile device, including time and geolocation data. To use Mobile Check Capture, you must have provided Cash App with all hardware and operating permissions that it requests, including permission to access your device’s camera, files stored on your device, device time, and geolocation information.
  3. After we receive your transmission, we will review each Electronic Check. We reserve the right to decline acceptance of any item, even if it meets the eligibility standards of an Eligible Check, and your Cash App account is otherwise in good standing. You should not assume that an Electronic Check will be accepted for Mobile Check Capture. If you need to cash a check immediately, then you should have backup check cashing options for situations where Mobile Check Capture does not accept your check.
  4. After we have accepted an Electronic Check from you, you must keep the original check in a secure location for two weeks. It is imperative that you do so because we reserve the right to reverse our decision to accept an Electronic Check. If we do we will notify you of our decision and you may cash or deposit the check through another service or at a different institution. After two weeks you must either destroy the original check or clearly and indelibly mark it as VOID unless we have contacted you with other instructions.
  5. You will not use Mobile Check Capture to (i) interfere with or disrupt the operation of Cash App or Mobile Check Capture; nor (ii) conduct or engage in any illegal business or activity, infringe any third party Intellectual Property Rights using Mobile Check Capture or Cash App.

II. Eligibility Requirements

This section details the requirements your paper check must meet to be eligible for Mobile Check Capture.You may use Mobile Check Capture to submit a paper check to us only if the paper check meets all of the requirements listed below. A paper check that meets all of these requirements is an “Eligible Check”:

  1. The check is written to the order of you, or if the check is a two party check, it is clearly written to the order of either you or another person;
  2. The physical paper check is in your possession and control when the image is submitted;
  3. The check is drawn on or payable by a bank, credit union, or other depository institution in the United States;
  4. The check is not drawn on another account owned by you;
  5. The check is payable in United States Dollars;
  6. The check has been properly signed or similarly authenticated by the maker;
  7. The amount of the check does not exceed the maximum check amount that Block has set for your use of Mobile Check Capture, and will not cause the total amount of checks you have submitted to via Mobile Check Capture to exceed any daily, weekly, monthly, or other limits on the dollar volume of checks that you may submit with Mobile Check Capture;
  8. The check is dated and the date of the check is in the past (i.e. the check is not postdated), but no more than 180 days earlier than the date that you submit it through Mobile Check Capture;
  9. Neither the check, nor any electronic image generated with the check, has been cashed or deposited previously, by you or anyone else;
  10. The check has not been altered in any way since it was issued (except for the endorsement required by these terms and conditions);
  11. The check has been endorsed (signed) by you in the designated place (usually on the back) and is clearly legible,
  12. The check has not been endorsed by anyone else, or to any other financial institution;
  13. The endorsement states that the deposit is “For Cash App mobile deposit only”;
  14. The check has not been dishonored previously, nor are you aware of any reason to believe that the check will be dishonored (e.g., you have been told that the maker of the check does not have enough money in the account to cover the check); and
  15. The check otherwise complies with any requirements or conditions listed on the check.

Certain items will not be accepted as Eligible Checks, including, but not limited to: credit card checks, trust checks, estate checks, and checks payable to a business (including sole proprietorship accounts).

III. Representations and Warranties

Here is the part where you tell us all the information on the check you are transmitting through Mobile Check Capture is true and that the check is eligible for this service.

Each time that you submit an Electronic Check with Mobile Check Capture, you represent and warrant to us that all of the following are true:

  1. The check that you are using to create the Electronic Check is an Eligible Check (i.e., it meets all of the eligibility criteria listed above) as of the time that you submit the Electronic Check with Mobile Check Capture;
  2. All of the information you submit to us in connection with the Electronic Check (such as the check amount that you input manually) is true, accurate, and complete;
  3. The information in the Electronic Check is clear, legible, and accurate, including (but not limited to) all of the following information: The MICR data on the bottom of the check front; The check date; The name of the person to whom the check is written (which must be you); The check writer’s signature; and Your endorsement on the back of the check.

IV. What to Do After You Submit an Electronic Check

You must keep your check for two weeks after you use Mobile Check Capture. We may need to contact you about your check. Please update your contact information on Cash App.

  1. After you submit an Electronic Check with Mobile Check Capture, wait until the app confirms successful submission. Then, place the original paper check in a secure location. Keep the original check for two weeks, and then destroy it, unless we instruct you otherwise.
  2. It is critical that we be able to contact you after you submit an Electronic Check with Mobile Check Capture. Before using the Mobile Check Capture, confirm that all your contact information in the Cash App is up to date. Be sure to check your email and text messages for the email address and phone number we will use to contact you.

V. Dishonored Electronic Checks

If any Electronic Check is dishonored or returned unpaid for any reason, including because we determine the Electronic Check is fraudulent, then we may immediately (and without further notice to you) deduct any funds from the Electronic Check that we have credited to your Cash App Balance. If we have already made funds from the Electronic Check available to you then this deduction may result in a negative Cash App Balance. We may recover funds from you in accordance with the Recovery of Funds section of the Cash App Terms to bring your negative balance to zero.

VI. Claims by Drawee Bank

The bank that accepts your check from us may have a claim against us if there are problems with your check. Some common problems, but not all, are listed here. If we make the bank that accepts your check whole, then we may recover funds from you.Pursuant to applicable law and the rules of the check collection system, the drawee bank or a collecting bank might pursue a warranty claim or other claim against us related to the Electronic Check, even after the check was honored and paid in full. Common grounds for claims like this include:

  1. The original check, or another electronic check created from the original check, was presented for payment, either before or after the drawee bank paid the Electronic Check;
  2. The maker’s signature or any indorsement was forged, or the check was otherwise issued fraudulent and without the authorization of a person authorized to write checks on the account;
  3. The check was altered after it was made; and
  4. The information in the Electronic Check images did not match the information that you provided at the time that you submitted the Electronic Check, or it was not possible to verify that information because the information in the Electronic Check images was illegible.

These are just a few examples of the reasons that the drawee bank or a collecting bank may assert a claim with respect to the Electronic Check to recover amounts paid. If we (or one of our banks or other service providers) are subject to such a claim, then we may immediately recover funds from you in accordance with the Additional Cash App Terms of Service – Recovery of Funds (and without notice to you).

VII. Funds Availability

1. Your Ability to Withdraw or Use Funds from an Electronic Check

We may delay your access to funds while we process your check.Our policy is to delay the availability of funds from Electronic Checks that you Successfully Submit (as defined below) with Mobile Check Capture. During the delay, you may not use the funds for transactions, including transactions to: (i) make a payment to another Cash App customer (including a Cash for Business Seller); (ii) withdraw cash using your Cash Card; (iii) make a purchase with your Cash Card; (iv) fund a transfer to your Eligible Bank Account; (v) initiate a “Buy” transaction for virtual currency; or (vi) fund an order to purchase securities using your Cash App Investing Account.

An Electronic Check is considered “Successfully Submitted” when you have received confirmation within the Cash App that the Electronic Check has been submitted and accepted by us.

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