Cash App simplifies financial transactions on your mobile device, allowing you to send, spend, and save money with ease. While many users link their bank accounts or debit cards for seamless transfers, there are times when you might need to add physical cash to your Cash App balance. This guide will walk you through the process of depositing paper money into your Cash App, ensuring you understand the steps, fees, and locations involved.
Understanding Cash App Paper Money Deposits
Cash App provides a convenient feature that allows you to deposit cash at participating retail locations. This is particularly useful if you primarily deal with cash or need to add funds without using a bank transfer immediately. It’s important to be aware of a few key details regarding this service.
Firstly, Cash App applies a flat-rate processing fee of $1 for each paper money deposit. This fee is automatically deducted from the amount you are depositing. For example, if you deposit $20 in cash, $19 will be added to your Cash App balance. However, there’s a way to have this fee waived. If you set up direct deposits of $300 or more in paychecks per month into your Cash App account, this $1 fee will be covered. This is a great perk for regular Cash App users who receive their income via direct deposit.
Where Can You Deposit Cash? Exploring Participating Retailers
Cash App has partnered with a wide range of retailers to make paper money deposits accessible across the country. You can deposit cash at numerous well-known stores, making it convenient no matter where you are. Here’s a comprehensive list of merchants that currently support Cash App paper money deposits:
- 7 Eleven
- Baker’s
- Bashas’
- City Market
- Circle K
- Cox Foodarama
- CVS Pharmacy
- Delek
- Dillons
- Dodge Foods
- Dollar General
- Duane Reade (listed as Walgreens on the map)
- EZ Mart
- Family Dollar
- Food 4 Less
- Foods Co
- Fred Meyer
- Fry’s
- Gerbes
- GoMart
- H-E-B
- Holiday Station
- Huck’s
- Jacksons
- Jay C Food Store
- King Soopers
- Kroger
- Kwik Check Foods
- KwikTrip
- Kum & Go
- Mariano’s
- Maverik
- Metro Market
- Pay-Less Super Markets
- Pick’n Save
- Pilot Travel Centers
- QFC
- Ralphs
- Rite Aid
- Royal Farms
- Ruler
- SaveMart
- Sheetz
- Smith’s Food and Drug
- Speedway
- Sunset Foods
- Thorntons
- TravelCenters of America
- Walgreens
- Walmart*
- Wesco
- Yesway
*For Walmart deposits, head to the customer service desk or MoneyCenter within the store. Keep in mind that the operating hours for these services at Walmart might differ from the general store hours.
Step-by-Step Guide to Depositing Paper Money into Cash App
Adding cash to your Cash App balance is a straightforward process. Follow these steps to easily deposit paper money at a participating retailer:
Finding a Deposit Location Near You
Cash App’s built-in map feature makes it incredibly easy to locate the nearest deposit location. Here’s how to find one:
- Navigate to the Banking Tab: Open your Cash App and tap the “Banking” tab, usually located at the bottom left corner of your home screen. It’s often represented by a bank icon.
- Select “Paper Money”: Within the Banking tab, you will see the “Paper Money” option. Tap on it.
- Locate Nearby Stores: Cash App will display a map showing deposit locations in your vicinity. You can browse the map to find a convenient store. Alternatively, use the search bar at the top to enter a specific address or zip code to find locations in a particular area.
Once you’ve identified a suitable location, you can use the provided options within Cash App to get directions or copy the address to use in your preferred navigation app like Google Maps or Apple Maps.
Depositing Cash at the Merchant
After arriving at your chosen retailer, follow these steps to complete your cash deposit:
- Inform the Cashier: Go to the cashier and tell them you want to load funds to your Cash App using a barcode.
- Access Barcode in Cash App: If the cashier is unfamiliar with the process, you can provide them with instructions directly from your Cash App. Simply tap the question mark (“?”) icon on the Paper Money map screen. This will display instructions for the cashier.
- Barcode Scan: The cashier needs to scan the barcode displayed within your Cash App. This barcode is essential to initiate the deposit transaction.
- Hand Over the Cash: After the barcode is scanned, hand the cashier the amount of cash you wish to deposit.
- Funds Added Automatically: Once the transaction is processed by the cashier, the deposited funds, minus the $1 fee (if applicable), will be automatically added to your Cash App balance.
- Keep Your Receipt: It’s highly recommended to keep the receipt provided by the cashier as proof of your deposit.
What if the Cashier Asks to Swipe Your Card?
Occasionally, a cashier might mistakenly ask you to swipe your Cash Card for a paper money deposit. It’s crucial to clarify that swiping your card is not the correct procedure for paper money deposits on Cash App. The deposit process must begin with scanning the barcode within your Cash App. If you are asked to swipe or insert your card, politely inform the cashier that they need to scan the barcode instead to process the Cash App paper money deposit.
Important Limits and Verification for Paper Money Deposits
When using paper money deposits, it’s essential to be aware of the deposit limits and potential ID verification requirements:
Paper Money Deposit Limits
Cash App implements limits on paper money deposits to ensure security and compliance. These limits are:
- Weekly Limit: You can deposit up to $1,000 per rolling 7-day period.
- Monthly Limit: You can deposit up to $4,000 per rolling 30-day period.
- Per Deposit Limits: Each individual deposit must be a minimum of $5 and cannot exceed $500.
These limits are based on a rolling timeframe, meaning they are calculated from the time of your deposit, not calendar weeks or months. Cash App will send you a notification if you approach or reach your deposit limits, providing further details.
ID Verification at Retail Locations
Certain retailers or specific locations may request to see your ID as an additional verification step when you deposit cash. This is due to the individual store’s policies and is outside of Cash App’s direct control. Since you are conducting the paper cash deposit at a physical store, you will need to comply with any identification policies that the specific location has in place. It’s always a good idea to have a valid photo ID with you when making cash deposits, just in case.
Conclusion: Conveniently Fund Your Cash App with Cash
Depositing paper money into your Cash App provides a flexible and accessible way to add funds to your account, especially when you prefer using cash or need an alternative to bank transfers. With a vast network of participating retailers, clear steps, and reasonable limits, Cash App makes it easy to manage your finances in a way that suits your needs. Remember to locate a nearby store using the app’s map, generate your barcode, and enjoy the convenience of adding cash to your digital wallet.
