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What benefits do I get when I set up direct deposit?

When you set up direct deposit into your Stash banking account, you’ll get the following benefits:

  • Get your paycheck up to two days early with early direct deposit.1
  • Earn Stock-Back® rewards on every purchase2:
    • Stash Growth customers: 0.125% Stock-Back®; up to 2% back on select streaming services
    • Stash+ customers: 1% Stock-Back®, with up to 3% back on select streaming services
  • Automatically save part of your paycheck with easy access to goals and budgeting tools. 
  • No overdraft or hidden fees—ever3.

Need to set up direct deposit with Stash? This article will help


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.
1 Early access to direct deposit funds depends on when the payor sends the payment file. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
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. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. See Terms and Conditions for more details. 1% Stock-Back® rewards available only on Stash+ ($9/mo) and only for client’s first $1,000 of Qualifying Purchases in each calendar month program. See Terms and Conditions for details. Limitations apply; 3% Stock-Back rewards available only for qualified bonus merchants on Stash+.


3 For a complete list of fees please see the Deposit Account Agreement for details.

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