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
The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
View change record →The updated terms eliminate the automatic fee waiver for Paper Money Deposits that applied when customers spent $500 or more in qualifying purchases or received $300 or more in qualifying deposits each month. Under the revised policy, all customers are now charged $1 per Paper Money Deposit transaction regardless of account activity level, effective June 29, 2026. This change removes a financial incentive that previously rewarded higher account engagement with fee relief. You can review your deposit patterns to determine whether the $1 per-deposit cost affects your use of this service.
View change record →How other platforms handle this
If a Seller refuses to accept delivery of a package returned to their address on file, StockX may deem the property abandoned after thirty (30) days and may charge the applicable user for reasonable expenses incurred due to such refusal to accept delivery.
If we learn that we've collected the personal data of a child under the age of 13 or 16, as applicable, we'll take reasonable steps to delete the personal data. This may require us to delete the Skillshare account...
Our moderators will thoughtfully consider any explanations and supplemental information provided by the Member when deciding whether to take action or reinstate access.
"Cash App may suspend or terminate your use of Free Overdraft Coverage for any reason in its discretion, including failure to pay your overdraft balance within 90 calendar days.Excerpt from Cash App's Terms of Service
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The clause states: “Cash App may suspend or terminate your use of Free Overdraft Coverage for any reason in its discretion, including failure to pay your overdraft balance within 90 calendar days.”
ConductAtlas has identified this type of provision across 277 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.