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FAQ: Stash Banking

Stash Banking accounts are great for your everyday banking needs and much more. As a part of your Stash Banking account, your Stock-Back® Card1 can help you earn rewards while you shop on eligible purchases.

You can learn more about the Stock-Back® Card in this guide.

You can learn all about Stock-Back® Rewards2 in this guide.

How do I open a Stash Banking account?
  1. Click on the My Stash tab to get to the home screen.
  2. Under “Accounts,” Click Add Account.
  3. Select Banking from the list.
  4. Follow the prompts to open and fund your Stash banking account.

How can I add funds to my Stash Banking account?

There are a few ways that you can fund your Stash Banking account. Follow the flows below depending on your deposit type:

Using a one-time transfer:
  1. Use this link to begin a transfer.
  2. Enter the dollar amount you would like to transfer.
  3. Select your desired source of funds as the “From” account.
    1. For transfers from an external source, you must link it first.
  4. Select Banking (Cash balance) as the “To” account.
  5. Verify the transfer details and click the Transfer button to initiate the transfer.

Please note: Bank transfers from your external bank are completed through ACH (Automated Clearing House), which can only occur on business days, excluding federal holidays and weekends. This typically takes 2-4 business days.

Using Recurring Transfers:

Use this link for detailed guidance for everything related to Recurring Transfers and Auto-Stash! This will walk you through how to set or edit the Recurring Transfers from your external bank to your Stash Banking account.

Using funds from a payment app (like Venmo, Cash App, or PayPal):

If you have a balance on Venmo, Cash App, or PayPal, or a similar payment app, you can use that money to fund your Stash Banking account. Add your Stock-BackⓇ Card as a payment method on your payment app, then transfer your balance instantly to Stash (the vendor may charge a fee).

You can also link your Stash banking account to your payment app using your Stash banking account and routing numbers.

Using a local retailer to deposit cash:

You can make fee-free cash deposits to your Stash banking account at some major retailers across the U.S., including CVS, Walgreens, Walmart, and Rite-Aid.2 Here’s how it works:

  1. Visit any participating retail location near you.
  2. Generate a unique barcode for that retailer on the app here.
  3. Show the barcode to the cashier and hand them your cash to make your deposit.

Note: Cash deposits must be between $20-$999.

It can take up to 30 minutes for your cash to be available in your Stash banking account. If you still do not see the funds after 30 minutes, contact the store where you deposited the cash. If they can’t help you locate the missing deposit, please contact us for assistance. Be sure to have the information on your receipt handy when you speak with a customer support representative.

Using Direct Deposit:

You will need the Stash Routing Number and your Stash Bank Account Number to set up direct deposit. To locate these numbers, refer to the Where can I view my Stash Banking account number and routing numbers? section of this guide.

  • Stash Routing Number: 103100195
  • Stash Bank Account Number: 2684 xxxx xxxx xx

Note: To cancel direct deposit into my Stash banking account, you’ll need to cancel your direct deposit through your employer or agency.

For your paycheck
  • Open this link to navigate to your direct deposit page.
  • Here you can view previous direct deposits and set up new direct deposits.
  • Select Set up.
  • Follow the prompts to complete your setup instantly or manually.
  • You can also contact your employer directly and provide your routing and account number.
For your tax refund
  • Enter your Stash banking account and routing numbers on your tax form.
  • Choose Checking on your tax form.
  • Be sure the name on your tax return matches the name on your Stash banking account.
For government benefits
  • Find your Stash Banking account and routing numbers
  • Contact the appropriate government agency to start the direct deposit enrollment process.
    1. Your direct deposit must be set up directly with the agency you receive benefits from.

Using mobile deposit to deposit a check into your Stash Banking account:
How do I deposit a check?

With Stash, you can deposit a check by taking a picture of your check in the Stash app. Mobile check deposit is available to Stash banking customers.

  1. Use this link to open the mobile deposit screen.
  2. Enter the check amount and tap Continue.
  3. Allow access to your camera.
  4. Take pictures of the front and back of the check. You do not need to press a button to take the picture. Once the check is aligned, the picture will automatically be taken (see our tips to take a good photo below).
  5. Tap Submit Check.

Please read the Deposit Account Agreement for additional information.

Mobile Deposit FAQs
How much does it cost to deposit a check?

There’s no additional fee to deposit checks to your account.

Can I cancel a pending check deposit?

No. You can’t cancel once you submit a picture of the check for deposit.

How long should I keep my check after I submit it?

Keep your check in a safe place for 30 days before destroying it, in case it’s needed for verification purposes. And keep in mind—once you deposit a check with us, you can’t cash or deposit it anywhere else.

Do I need to sign the back of my check?

Yes. Sign your name on the back of the check, followed by For mobile deposit only clearly in blue or black ink, or it will not be accepted. Please also make sure your signature is a reasonable size.

How fast will the money be in my account?

Funds will be available three business days after we have accepted your check.

How will I know when money is in my account?

We’ll notify you via email when the funds are in your account. You can also log into the app at any time and view your transaction history. For more details on locating this information, check out the Where can I view my Stash banking account transaction history? section of this guide.

How do I take a good picture of my check?
  • Place your check on a flat surface with a dark background and good lighting.
  • Make sure all four corners of the check are in view.
  • Hold your phone steady and tap on the screen to focus. The camera will automatically take the picture once these conditions are met.

Note: Some phones automatically store photos. For security reasons, please make sure photos of your check aren’t saved to your phone or online storage.

What types of checks are accepted for mobile deposit?

Note: All checks must be in USD.

Accepted:

  • Personal checks written to you
  • Commercial pre-printed checks issued by a U.S. business to you such as:
    1. Payroll checks
    2. Insurance agency checks
    3. Rebate checks
    4. Stock dividend checks
  • U.S. Government-issued checks, including:
    1. Tax refunds
    2. Federal, state, and municipal government checks

Not Accepted:

  • Checks:
    1. Money orders or cashier’s checks
    2. Not payable to you (even if signed over to you)
    3. Payable to more than one person (even if you are one of the names on the check)
    4. Payable to “Cash” or “Self”
    5. Payable in a foreign currency
    6. Drawn on a bank outside the U.S.
    7. Not dated, post-dated, or more than 90 days old
    8. Irregular in any way (for example, where the numerical and written amounts are different)
    9. Previously cashed or deposited (either in paper form or electronically) or returned unpaid for any reason
    10. Suspected to be fraudulent, forged, altered or not properly authorized
    11. Missing the person’s signature who wrote you the check
    12. Exceeding the deposit limits set for mobile check deposits
  • Registered government warrants
  • Demand drafts
What are the mobile deposit limits?
Description Limit
Per check limit $2,500
Daily dollar limit $10,000
Daily check limit 10 checks per day
Monthly dollar limit $50,000
Monthly check limit 25 checks




How do I withdraw the cash in my Stash Banking account?

You can withdraw funds via a traditional ACH transfer or an instant debit withdrawal.

For a traditional ACH transfer:
  • Use this link to begin a transfer.
  • Enter the dollar amount you would like to transfer.
  • Select your Banking (Cash balance) as the “From” account.
  • Select your destination of funds as the “To” account.
    1. For transfers to an external source, you must link it first.
  • Verify the transfer details and click the Transfer button to initiate the transfer.
    1. Funds should arrive 2-4 business days after the transfer was initiated.
For an instant debit withdrawal:

Instant debit withdrawals allow you to withdraw up to $1,000 from your Stash banking account to a linked external debit card for a 1% fee. The transfer should only take a few minutes to complete. Your Stock-Back Card must be active in order to complete an instant debit withdrawal

Before you can make an instant transfer, you’ll need to link an active external debit card to your Stash account.

Follow these steps to complete an Instant Debit Withdrawal:

  1. Use this link to initiate a transfer.

  2. Select “Banking (Cash balance)” as the From account.
  3. Select your external debit card as your To account.
  4. Follow the prompts to complete your transfer.

Note: At this time, you are unable to cancel a manual transfer from your Stash banking account.

How do I view my Stash Banking account number, routing number, transaction history, or account statements?
Where can I view my Stash Banking account number and routing numbers?
In the app:
  1. Tap the My Stash tab to get to the home page of the Stash app.
  2. Tap Banking (Cash Balance) in the accounts section of your screen.
  3. Tap the gear icon in the upper-right corner.
  4. Tap Account and Routing Numbers.
On the web:
  1. Click the My Stash tab.
  2. Click Banking (Cash Balance) in the accounts section of your screen.
  3. Click Manage Account.
  4. Click Account & Routing Numbers.
  5. Click Show next to your account number to view your full account number.
Where can I view my Stash banking account transaction history?
  • Navigate the My Stash tab.
  • Tap Banking (Cash Balance) in the accounts section of your screen.
  • Scroll down to see your transactions
    1. Select See all to view more transaction history.
Where can I view my Stash banking statements?
In the app:
  • Tap the My Stash tab to go to the home page of the Stash app.
  • Tap Banking (Cash Balance) in the accounts section of your screen.
  • Tap the gear icon in the upper-right corner.
  • Under View Statements tap Bank Account statements.
  • Select the month you’d like to view the statement for.
On the web:
  • Click your name in the upper-right corner.
  • Click Statements and Tax Documents.
  • Scroll down to the Bank Account section and click Bank Account Statements.
  • Click Download next to the month you’d like to view the statement for. The statement will open in a new tab.

How do I request a stop payment on a transaction in my Stash banking account?

You can request a stop payment via Stash Support. If you’d like to request a stop payment, 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.

If you haven’t contacted the merchant already, we recommend that you contact the merchant first to directly request a stop payment; usually, that will be a quicker resolution. If you aren’t able to work with the merchant, we can definitely help you with your stop payment request.

Stop payment requests must be made at least three business days in advance of the scheduled payment day. There are no fees for a stop payment. Stop payments are not guaranteed—see the Deposit Account Agreement for details. Keep in mind that if the transaction has already been completed on your account, you will not be able to request a stop payment for that transaction.

How do I close my Stash Banking account?

If you wish to stop using your Stash Banking account, transfer the funds to an external account, or to one of your other Stash accounts. Once you reduce your balance to zero, there is no more action needed on your part. You can fund it again at any time.

DISCLOSURES:

1 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

2 All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

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