The agreement reserves Block's right to suspend or close your Cash App account at its sole discretion, with or without prior notice, which could affect your access to any funds held in your Cash App Balance.
This analysis describes what Cash App's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Account suspension without prior notice is particularly significant for users who hold funds in their Cash App Balance, as it may restrict access to money until the account status is resolved. Applicable law, including Regulation E and state money transmission regulations, may impose constraints on how account closures affecting prepaid balances are conducted.
Interpretive note: The precise scope of Block's discretionary suspension authority is not fully set out in the introductory section visible in this document excerpt; the full text of Section III and related sections would clarify the applicable procedures and limitations.
The updated terms establish new authorization rules for minors using Cash App through Sponsored Accounts. When a parent authorizes a Sponsored Account for a teen, the terms now state the parent expressly authorizes the teen to request, receive, activate, and use a Cash App Card and add it to a Cash App Tag without requiring additional parental approval for each action. The terms treat any such request or use by the teen as made at the parent's direction. For children under the teen category, the terms note the child may have limited or no independent ability to request or activate a Card or Tag. Cash App also introduces new fees for the Cash App Tag service: $25 for purchase and $15 for expedited shipping. You can review your Sponsored Account settings to understand what authorization scope you have granted.
View change record →The updated terms introduce a new stablecoin withdrawal feature that allows Cash App users to convert USD to stablecoins and send them to external blockchain addresses. Under the revised language, users do not acquire ownership or title to stablecoins; Cash App or its partners retain full control until delivery to the specified address. Critically, the terms state that withdrawals cannot be reversed or refunded once initiated on the blockchain, and sending assets to unsupported networks or incorrect addresses will result in permanent and irreversible loss of funds. Users are solely responsible for verifying accurate withdrawal instructions and compatible network addresses before initiating transfers.
View change record →The updated terms increase the Foreign Transaction Fee from 3% to 3.25% and narrow the circumstances under which this fee is waived. Previously, users who spent $500+ monthly or received $300+ in deposits waived the entire Foreign Transaction Fee. Under the revised terms, the fee waiver now applies only to card-present (in-person) transactions, meaning online and card-not-present international purchases remain subject to the fee without a waiver path. Users making qualifying purchases or deposits still receive fee waivers, but only for in-person international card transactions through the end of the following calendar month.
View change record →Renamed from 'Account Suspension and Termination' to 'Account Suspension and Closure'; excerpt now shows only preamble language rather than specific suspension/closure terms.
View full change record →Under this provision, Block may suspend or close your account without advance notice, potentially affecting your access to your Cash App Balance. Users should be aware that Regulation E and applicable state law may provide protections regarding access to prepaid account funds independent of the contractual terms.
How other platforms handle this
We may suspend or close your account at any time without notice if we reasonably believe that: you have seriously or repeatedly broken any part of this agreement; you are using your account in a way that is harmful to us or to others; we are required to do so by law; or we reasonably believe it is n...
Twilio may terminate or suspend your access to or use of the Services at any time, with or without cause, effective upon notice. Twilio may immediately suspend your account upon the occurrence of any of the following: (a) you fail to make a timely payment, or (b) we reasonably believe suspension is ...
GitHub has the right to suspend or terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. GitHub reserves the right to refuse service to anyone for any reason at any time. In the event of termination, we will make a ...
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"These Cash App Terms of Service (the "Cash App Terms") are a legal agreement between you, as a current or prospective user of the Services, and Block, Inc., formerly known as "Square, Inc." (hereafter, "the Company," "we," "our" or us"), and governs your use of Cash App, a financial platform, which includes mobile applications, websites, software, cloud-based solutions, and other products and services (the "Service"), offered by the Company.— Excerpt from Cash App's Cash App Terms of Service
REGULATORY LANDSCAPE: Discretionary account suspension and closure provisions in prepaid account agreements interact with Regulation E and the CFPB's Prepaid Account Rule, which establish disclosure and error resolution requirements for prepaid accounts. State money transmission licensing requirements may also impose constraints on fund availability upon account closure. The CFPB has enforcement authority over prepaid account providers. GOVERNANCE EXPOSURE: High. The combination of discretionary closure authority and the user's potential inability to access a Cash App Balance creates regulatory exposure if the closure process does not comply with Regulation E fund availability and error resolution requirements. The broad discretionary language may also raise questions under state consumer protection statutes. JURISDICTION FLAGS: States with money transmission licensing requirements may impose specific obligations on fund return timelines upon account closure. California's prepaid card regulations and similar state frameworks may limit the scope of discretionary closure authority. CONTRACT AND VENDOR IMPLICATIONS: Business account holders who process payments through Cash App are exposed to operational disruption if their account is suspended without notice. Enterprise procurement teams should assess the adequacy of Cash App's service level disclosures for business use cases. COMPLIANCE CONSIDERATIONS: Legal teams should confirm that Cash App's account suspension and closure practices are implemented consistently with Regulation E notice and fund return requirements, and that the discretionary closure language does not supersede mandatory regulatory obligations. Documentation of suspension procedures and user notification practices is advisable.
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Account suspension without prior notice is particularly significant for users who hold funds in their Cash App Balance, as it may restrict access to money until the account status is resolved. Applicable law, including Regulation E and state money transmission regulations, may impose constraints on how account closures affecting prepaid balances are conducted.
Under this provision, Block may suspend or close your account without advance notice, potentially affecting your access to your Cash App Balance. Users should be aware that Regulation E and applicable state law may provide protections regarding access to prepaid account funds independent of the contractual terms.
ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.
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