The agreement reserves Block's right to suspend, limit, or terminate user accounts at its discretion, including without prior notice, which may affect access to funds held in the 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
This provision grants Block discretionary authority to restrict or terminate account access, which is operationally significant because the Cash App Balance functions as a prepaid account and primary financial account for some users. Account suspension without prior notice may delay or restrict access to stored funds.
Interpretive note: The full text of the account suspension and termination provision in Section XXIII was not fully reproduced in the provided document excerpt; the characterization is based on standard provisions referenced in the document introduction and the table of contents structure.
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 →Provision name changed from 'Closure' to 'Termination', shifting terminology to reflect broader account ending scenarios.
View full change record →Under these terms, Block may suspend or terminate a Cash App account at its discretion, which may affect the user's ability to access funds held in the Cash App Balance. The agreement does not specify a minimum notice period before account suspension in all circumstances.
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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 ...
We may suspend or terminate your access to the Services at any time and for any reason, including but not limited to: (i) violation of this Agreement; (ii) our inability to verify your identity or the source of your funds; (iii) a request from law enforcement or government authorities; (iv) unexpect...
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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
1. REGULATORY LANDSCAPE: The CFPB's Prepaid Accounts Rule (Regulation E, 12 CFR Part 1005) governs error resolution and fund access for prepaid accounts, and abrupt account closure practices may require evaluation under CFPB guidance on fair access to financial services. State money transmitter laws may also impose obligations on how stored funds are handled upon account closure. 2. GOVERNANCE EXPOSURE: Medium. Discretionary account termination is a standard provision in fintech terms, but the combination of Cash App Balance functioning as a primary account for some users and the absence of a guaranteed notice period creates regulatory exposure under CFPB supervisory priorities related to account access and fund availability. 3. JURISDICTION FLAGS: California, New York, and other states with active consumer protection enforcement may scrutinize abrupt account closure practices, particularly where users rely on the account as a primary financial service. Unbanked or underbanked populations using Cash App as a primary account face heightened practical impact. 4. CONTRACT AND VENDOR IMPLICATIONS: Businesses using Cash App for payroll or contractor disbursements should assess the operational risk of account suspension disrupting payment workflows, and should maintain alternative disbursement channels. 5. COMPLIANCE CONSIDERATIONS: Compliance teams should evaluate whether account closure procedures meet Regulation E requirements for fund access and error resolution timelines. Documentation of the notice and appeal process available to users upon account suspension is a key review area.
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This provision grants Block discretionary authority to restrict or terminate account access, which is operationally significant because the Cash App Balance functions as a prepaid account and primary financial account for some users. Account suspension without prior notice may delay or restrict access to stored funds.
Under these terms, Block may suspend or terminate a Cash App account at its discretion, which may affect the user's ability to access funds held in the Cash App Balance. The agreement does not specify a minimum notice period before account suspension in all circumstances.
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