If you use Cash App and have come across the issue of the Cash App routing number not working, you are on the right post to get the possible reasons and solutions for this issue.
The key reasons for Cash App routing number not working issue are where the system does not accept a Cash App i.e. prepaid account routing number, incorrect entry of routing number, change or update of routing number, transfer not supported by Cash App e.g. wire transfer
Cash App provides a 9-digit routing number for your Cash App account, which you can view on the Cash App banking tab. The routing number is linked to the bank associated with your Cash App account and can be either Sutton Bank or Lincoln Savings Bank, which are Cash App’s Banking Partners.
Currently, most direct deposit accounts or Cash App are with Sutton Bank.
Let’s dive into the details of the reasons for the Cash App routing number not working issue and possible solutions.
Cash App Routing Number Not Working Issues
Cash App routing number may not work in the following events:
- The system does not accept prepaid account routing number
- Incorrect Cash App routing number entered
- Change or update of Cash App routing number
- Transfers not supported by Cash App
System does not accept prepaid account routing number
Many times systems are set up to not accept the use of Cash App routing numbers by design, mainly due to higher instances of fraud noted. Many people make false claims for direct deposit using a Cash App routing number. For this reason, it is best to not share your routing number with others who offer money due to running scams.
This is seen especially in the case of unemployment direct deposits and varies from state to state. You usually get a message like routing number not recognized, in such cases.
Since Cash App is not a proper bank account and offers direct deposit in partnership with Banks, it does not have universal acceptability.
In such cases, you can check with the agency to confirm if the system does not allow Cash App routing numbers. If that’s the case, you don’t have options other than to use another bank’s routing number to get such direct deposits.
Incorrect Cash App routing number entered
There can also be cases where you have submitted or entered the routing number incorrectly.
Sometimes one may end up erroneously entering the account number, instead of the routing number. Although the chances are rare since you are usually required to enter both the account number and routing number for setting up a direct deposit, it does not hurt to do a double-check.
You can re-check your account and routing number in Cash App:
- Open Cash App on your mobile
- Tap the Bank icon on your Cash App home screen
- Tap the routing and account number below your balance
- Use the options to copy your account and routing numbers
- Provide the account and routing number when prompted for a bank account during direct deposit setup
Change or update of Cash App routing number
Although rare, another possibility is that your Cash App routing number got changed due to the update of your banking partner.
In January 2022, Cash App moved the direct deposit account of many users to Sutton Bank, resulting in a change of routing number and account number. This usually happens with advance intimation and many times the transfer sent using old details will still get credited, until the old account was closed. But once the old account was closed, the deposits do not get processed and returned back to the sender.
So be sure to check if there is any change in the Cash App routing number and account number that you had submitted. For this, compare the details submitted earlier with the details shown under the banking tab on Cash App.
The Sutton Bank Cash App number usually begins with 041.
Transfers not supported by Cash App e.g. Wire Transfer
If you have attempted to send money to the Cash App account using a wire transfer, it will not work as Cash App does not support it. In such cases, even if the transfer is initiated and money is deducted from the sender’s account, it will not be processed and returned back to the sender in a few business days.
In such cases, you can work with the sender to get the transfer sent by the alternate way like ACH, via check, or use a traditional bank that accepts wire transfers. Most online banks including Chime, Varo, etc., and fintech do not accept wire transfers.
Having gone through the above reasons, if you still feel that there is no reasonable explanation for the routing number not working in your case, it is best to bring this issue to the Cash App support team,
How do I contact Cash App Support through the App?
- Tap the profile icon on your Cash App home screen.
- Scroll down and tap Cash App Support.
- Tap Something Else.
- Navigate to your issue.
- Tap Contact Support.
So hopefully this post helped you navigate the issue of the Cash App routing number not working and understand the probable reasons for your case. Let us know in the comments how did you solve the issue.