• Q. What am I investing in on Stash?

  With Stash, the thousands of investment choices fall into  buckets. The first bucket is stocks, which are little pieces of ownership in a single company. The second is Exchange Traded Funds (ETFs), which are baskets of investments traded on stock exchanges. …

• Q. What makes Stash different?

  Stash stands out from the crowd in a few ways. Here’s how: Stash tailors investments to your interests and beliefs With us, you choose investments from a curated set of options that have been picked by our team and suggested to you based on the answers to questions we ask when you sign up.…

• 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. Why does Stash need my Social Security Number?

  Stash takes safeguarding your personal information very seriously—we use it only for identification purposes, and we never perform credit checks.  As a financial service institution, we’re required by law to obtain, verify, and record identification information. In addition, your social security number is needed to prepare an annual tax reporting form for you.…

• 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. What is Apex?

  Apex Clearing is our custodian firm that handles services for your account. These services include custody of assets, reporting, trade confirmation, settlement, and securities delivery.  Apex Clearing is also a broker-dealer and FINRA/SIPC member. FINRA: Financial Industry Regulatory Authority SIPC: Securities Investor Protection Corporation …

• Q. Can I Use Stash For Day Trading?

  Stash is not a day trading platform—we believe investing should be a long-term habit, not a hobby. The majority of Americans aren’t going to trade their way out of debt. Stash was built to help anyone build a diversified portfolio over time and invest for the long haul. …

• Q. How do I refer someone?

  You can refer someone to Stash through our referral bonus program. You can earn up to $1,000 in referrals!  Here’s how it works: Invite friends: Send invites to your friends using your custom code or link. Track your invites: Follow your friend’s progress and send reminders along the way.…

• Q. How long does it take for money to reach my bank account after I withdraw it from Stash?

  Your money is removed immediately from a Stash account when transferred from Stash to an external bank account. However, it may take funds up to 5 business days to appear in that external account. The exact length of time depends on how quickly your bank processes ACH transfers.…

• Q. How old do I have to be to open a Stash account?

  To open a Stash account you must be at least 18 years old. This one’s not up to us, it’s the law.  If you’re an adult looking to open an account on behalf of a child in your life, check out this article for more information. …

• Q. If I’m not a US Citizen, can I use Stash?

  Stash is open to US Citizens and legal residents of the United States with an accompanying green card or certain valid visas. We accept the following valid visa types: E1, E2, E3, F1, H1B, L1, O1, or TN1. We cannot accommodate people with visas not mentioned in the above list.…

• Q. How do I transfer or withdraw my money?

  You can transfer or withdraw your money from Stash at any time from the app or web. Follow these steps to transfer, deposit, or withdraw your money:  Note: Retirement and Custodial accounts have special restrictions. For transfers on these accounts our Customer Service team is ready to help.…

• 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. Why is Stash asking me for photo ID?

  During the course of signing up for your new Stash account, we may ask you for proof of identity via either your driver’s license or passport. Why do we need this information? The USA Patriot Act requires us to verify your identity—it helps us keep all 6+ million Stashers safe,…

• Q. Why was my transfer (or withdrawal) to my external bank account rejected or canceled?

  If you’re trying to transfer money outside of Stash, there’s a handful of reasons your transfer may have been rejected. Here are the most common reasons:  You don’t have enough money in your accounts You can only transfer your cash balance in your Stash banking account,…

• Q. How do I unsubscribe from your marketing emails?

  We make it easy to unsubscribe from marketing emails. There is an Unsubscribe link in the footer of every marketing email we send. Just click that link and we’ll stop sending you these types of emails. Please note: You’ll still get emails related to your Stash account and activity.…

• 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. 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. Where can I find the Stash customer agreements?

  Stash Customer Agreements  You can access your Stash customer agreements at any time in the Disclosure Library.  Apex Clearing Agreement You can access your Apex Clearing Agreement at any time in the Disclosure Library.  …

• Q. Is there a limit to how much I can transfer from my external account to my Stash Invest accounts?

  The current one-time transfer limit from an external bank account to Stash Personal Portfolio/Custodian/Smart Portfolio is $10,000 and from an external bank account to Stash Retire is $6,000.…

• Q. Can I reopen my Stash account?

  Welcome back to Stash—we’re glad you’re here! You can easily reopen your Stash account in just a few minutes. Follow these steps to reopen your account: Login to your Stash account on the app or web using your same username and password.…

• Q. Can I switch the name on my account to my spouse, kid, etc?

  Unfortunately, it’s not possible to change the name on your Stash account to someone else’s. Why not? When you get started with Stash, we’re required to verify your identity and financial history in order to make sure you’re eligible for an account.…

• Q. I closed my account, why am I still getting emails from you?

  Since we’re legally required to send our clients statements about their account activity, you may receive the occasional update from us after your account has been closed, though this is rare. We also send tax documents by email, making it easy for you to comply with the IRS’s reporting requirements for taxable income earned from a brokerage account.…

• Q. How do I update or change my name?

  If you need to change your first or last name, you’ll have to contact Customer Support. Before you do, here’s a list of the documents you should have on hand in order to complete the name change process: Government-issued ID showing your new name Marriage certificate Divorce certificate Certified court order You won’t need all of these documents,…

• Q. How do I stop receiving marketing texts from Stash?

  Absolutely! If you’d prefer not to receive notifications by text, we’re happy to accommodate that. All you have to do is reply to the next text you get from us with the word STOP. This will stop all further communication via text. …

• Q. Is Stash available on iOS and Android?

  Yes, Stash is available on iOS, Android, and the web.  Get Stash in the Apple Store (iPhone)  Get Stash on Google Play (Android) Get Stash on the web …

• Q. How do interest rates work?

  Interest rates determine many things, including how much your money grows while sitting in a checking or savings account. They can also influence how much money you pay toward credit card or mortgage payments. The Federal Reserve (AKA The Fed) sets interest rates “to help set the backdrop for promoting the conditions that achieve maximum sustainable employment,…

• Q. Promo Codes on Stash

  Have a promotional (promo) code to add to your Stash account? Here’s how to do it:  On the app: Login to your Stash account.  Tap your initials (iOS) or hamburger icon (Android) in the upper-left corner.  Tap Promotions. Enter your promo code,…

• Q. How does Stash make money?

  The short answer is that Stash Financial Inc., its affiliates, and business partners act as an investment advisor, broker-dealer, banking services provider, insurance distributor, marketing affiliate, and a financial services organization, all rolled into one. Stash Investments LLC’s advisory affiliates also provide a wide range of financial services to individuals. …

• Q. Where can I view my trade confirmations?

  Trade confirmations are like receipts for your investment transaction activities. We’re legally required to send you all of your trade confirmations. You can view your trade confirmations at any time from the app or web. Follow these steps to view your trade confirmations: In the app: Click here to go to your Statements &…

• Q. How do I update or verify my email address?

  You can easily update or verify the email address associated with your Stash account on the app or on the web. Click here to update or verify your email address. A verification email will be sent to your new email address.…

• Q. What happens if I delete the Stash application from my mobile device?

  If you delete the Stash application from your mobile device without cancelling your subscription plan, your Stash account will remain active and you will continue to be charged your subscription fee. Your Stash account will continue to be governed by Stash’s Terms of Use and Privacy Policy,…

• Q. How do I update or verify my phone number?

  Need to update or verify your phone number on your Stash account? You can do this in just a few minutes from the app or from the web.  Click here to update or verify your phone number.  Still need help with your phone number?…

• Q. How do I cancel, stop, or modify a transfer?

  If you’d like to cancel a transfer of any kind, don’t fear—it’s a very simple process. We’ve outlined the steps you’ll need to take below depending on the type of transfer you’d like to cancel, stop, or modify. Please keep in mind that we can only cancel transfers marked as “pending,” so you’ll want to take action before the transfer clears. …

• Q. How long does it take for money to transfer in, out and within Stash?

  Our mission here at Stash is to make investing as simple as possible. Part of that is facilitating safe, secure, and speedy transfers. While we make each transfer as quickly as possible, not every transfer has the same processing speed.  Click below to jump ahead: Viewing transfer status Transfers into Invest from an external bank Transfers into Stash Banking from an external bank Transfers out of Stash to a linked external bank Transfers within Stash between Invest and Stash Banking Cash deposit Selling investments,…

• Q. How do I add money to my Stash account(s)?

  It’s never been easier to add money to your Stash account. You can do it in the app or on the web. Click here to go to your account and deposit cash. DISCLOSURES Please note that these transfers will appear on your external bank account statements as “Stash Cash Management.” Once your funds have transferred,…

• Q. Why Am I Still Receiving Statements?

  We at Stash are legally required to send our clients statements for their account(s) in any month in which there was any activity or funds in the account. If you believe you should not have received a statement, log back into your account to see if your accounts are fully closed and… If you are fully closed with no funds in any of your account(s): Since your account is now fully closed and unfunded this would be your final statement.…

• Q. Why Am I Being Asked to Provide a Trusted Contact?

  We at Stash are legally required to ask you whether or not you would like to add a Trusted Contact for your account(s). Adding a Trusted Contact is NOT required. If you should choose to add one, anyone you trust who is 18 or older is eligible. …

• Q. Need to upload documents to verify your identity when opening a Stash account?

  During the course of signing up for your new Stash account, we may ask you for proof of identity via either your driver’s license or passport. Why do we need this information? The USA Patriot Act requires us to verify your identity—it helps us keep all 6+ million Stashers safe,…

• Q. Changing your subscription plan and billing frequency

  Stash makes it easy to upgrade or downgrade your subscription plan at any time from the app or web. Stash offers two subscription plans: Stash Growth ($3/month) and Stash Plus ($9/month).  Learn what’s included in our plans here We also offer two billing frequencies for your convenience: monthly and yearly.…

• Q. Why am I receiving an authentication code from Stash and how do I stop it?

  Keeping your information secure is our top priority. Two-factor authentication (2FA) will send a confirmation code as a text/SMS message, email, or phone call. This helps protect your Stash account by requiring a security code in addition to your password when you log in. …

• Q. Quick Start Your Stash – 2024 New Depositor Promotion

  Looking to take control of your finances in 2024? If you’re a new customer or have not yet made a deposit into your Stash account prior to 01/01/24, you can earn up to $10. To earn the first $5 promo, deposit at least $5 into your Personal or Smart Portfolio by 4/30/24.…

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