Cash App updated its terms to clarify how ACH transfers work and expanded the types of payment cards users can link. The terms now specify that deposits via bank routing number are processed as ACH transfers that take up to three business days to clear, and that money is added provisionally until the transfer fully clears. If a transfer fails or is canceled, Cash App may deduct that amount from the user's balance. Additionally, American Express cards can now be linked alongside Visa, MasterCard, and Discover. The terms also restructured and expanded the cancellation procedures for recurring transfers, distinguishing between transfers into the account (Auto Reload and Auto Save) and transfers out (merchant ACH debits), with specific merchant blocking procedures for outgoing transfers.
The updated terms clarify that ACH transfers into Cash App are processed as provisional credits that take up to three business days to fully clear. If a transfer fails, is canceled, or results from a mistake, Cash App may deduct that amount from the user's balance. The terms now explicitly state that users cannot cancel a transfer once it has begun processing. Additionally, American Express cards can now be linked to Cash App accounts. For recurring transfers, the terms distinguish between incoming transfers (Auto Reload and Auto Save) and outgoing merchant ACH debits, with specific procedures for canceling each type. You can cancel Auto Reload and Auto Save within the Cash App or by contacting support, and you can request merchant blocking to stop recurring ACH debits from specific merchants.
→ Review the ACH transfer processing timeline (up to three business days) when expecting deposits to fully clear.
→ Use the merchant blocking feature in Cash App to cancel recurring ACH debit payments from specific merchants.
→ Contact Cash App support at (800) 969-1940 or via the Cash App Support feature to cancel Auto Reload or Auto Save transfers.
Deposits via bank routing number are now explicitly stated to be processed as ACH transfers credited provisionally until fully cleared, with potential reversal if transfers fail.
Restructured to distinguish between incoming transfers (Auto Reload/Auto Save) and outgoing merchant ACH debits, with merchant blocking as the cancellation mechanism for outgoing transfers.
American Express cards are now accepted for linking, in addition to Visa, MasterCard, and Discover.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.
Cash App revised its ACH transfer terms to clarify provisional crediting, processing timelines, and failure scenarios. The changes are primarily clarificatory and operational—specifying that deposits are processed as ACH transfers taking up to three business …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-X-004630.
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