Top questions

• Q. What retirement accounts does Stash offer?

  Stash offers two types of retirement accounts (also known as IRAs): a Roth IRA or a Traditional IRA. When you sign up for Stash+, we’ll help you pick the account that’s right for you.  By adding a little money to your retirement account consistently over time,…

• Q. What Are Stash’s Trading Windows?

  Stash uses four trading windows because our platform is not intended to be used for day trading, but rather for long-term investing. By investing small amounts in a diversified portfolio over a long period of time, you can minimize your risk and save for your future.…

• Q. How do I cancel my Stash plan?

  We’ll be sorry to see you go! You can cancel your Stash plan at any time in the app or online at Stash.com. Keep reading to learn what to do before you close, and how to cancel your plan in the app or on the web.…

• Q. How do I change my risk level on Stash?

  Our risk assessment tool works to help you invest your money in a way that’s customized for your situation. Right now it’s not currently possible to override your risk level.  What happens if my job or income changes? Things change. We get it.…

• Q. What do I need to start using Stash?

  You only need a few things to get started with Stash:  Four dollars ($4) – $3 for your monthly subscription fee and at least $1 to put in your Personal investment account.  A bank account with a U.S. bank A Social Security number U.S.…

• Q. How do I change my address?

  Moving can be a hassle. We get it. You can update your address at any time right from the Stash app. **IMPORTANT NOTE: YOU MUST UPDATE BOTH YOUR BANKING ADDRESS AND YOUR INVEST ADDRESS SEPARATELY. UPDATING JUST ONE OF THESE ADDRESSES WILL NOT UPDATE THE OTHER ADDRESS.**…

• Q. How do I add a beneficiary to my account?

  While you cannot share an account with someone, you can designate a beneficiary on your account. This will allow them to claim ownership of the account in the event that you pass away. Both the beneficiary form for your Stash Retire and your Stash Invest account will require your account number.…

• Q. Why is my account locked?

  There are many reasons why your Stash account may be locked. To get specific information about your situation, please give us a call at 800-205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, or email us at support@stash.com so that a representative can assist you with unlocking your account. …

• Q. Why is the price that I sold my stocks at different than the price I see in the app after the trade has settled?

  When you sell an investment on Stash your transaction is queued up and executed during one of our four trading windows, (two in the morning and two in the afternoon). This means that the sale price of your stocks may change because we don’t immediately sell your investment when you initiate a sale. …

• Q. What are the ancillary account fees?

  Below is a list of fees, known as ancillary fees, that you may be charged that are not a part of your subscription fee, which is also known as the Wrap Fee. You could incur these fees through a request or other action which is why they are excluded from fees and services covered by your subscription fee. …

• Q. If I sold all shares of an investment, why did the value that I sold at change?

  We don’t process sales of investments instantaneously. Since we’re focused on long-term trading rather than day trading, we process sales during four trading windows operated each trading day, with two in the morning and two in the afternoon.  Due to this,…

• Q. What is Stash’s DTC number?

  The Depository Trust Company (DTC) is a settlement clearing company for investment firms and broker-dealers. Stash uses the DTC number for our custodian, Apex Clearing. The number is 0158.…

• Q. My family member has passed away, what do I need to do to close their Stash account?

  We are very sorry for your loss. This must be extraordinarily difficult for you. Our support team is here to help guide you through this. When you’re ready, email us and tell us the first and last name of the deceased,…

• Q. Who are Stash’s insurance partners?

  We’re looking to provide you with affordable insurance coverage options that make sense for your current life situation. All of our partners are focused on affordability while saving your hard-earned money. Click here to see all of our current insurance partners. …

• Q. How is my total return percentage calculated?

  A return is how much you gain or lose on either a single investment or an entire portfolio. You can calculate it as both a specific dollar amount or a percentage. Here’s how. Investment positions/holdings: Dollar: [current value] – [amount invested] Percentage: ( [current value] / [amount invested] ) –…

• Q. When will my account statement be available?

  We send out account statements to your email during the first week of the month. If your account has no activity for the previous month, a monthly statement won’t be generated. You’ll still receive a quarterly statement regardless, which will have a monthly breakdown on it. …

• Q. Why are the transfers in my Stash banking account pending?

  You might see a pending status on a relatively recent Stash banking transaction. The status lets you know that a particular transaction is approved by Stash but not fully processed by the external bank account. When you add money from an external bank account into Stash banking,…

• Q. Are dividends guaranteed?

  No. Many companies have a long, reliable track record of paying dividends, but no company is required to pay them. Dividends are a subset of revenue generation and profitability. Because these factors cannot be guaranteed, dividends are also not guaranteed. However,…

• Q. Where can I find all of the Stash disclosures and important documents?

  All Stash customer agreements are in the Disclosure Library. You can access them at any time.…

• Q. Can I view my account history after I close my Stash banking account?

  Follow these steps to access your Stash banking account statements after your account has been closed: On the app: Login to the Stash app. Tap Bank at the bottom of the screen.  Scroll down to the Your Transactions section and tap See All.…

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