Provision record
Cash App · Cash App Terms of Service · View original document ↗

Account Suspension and Closure

High severity Medium confidence Inferred from context Common · 277 of 352 platforms
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Document Record

What it is

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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

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.

Recent Activity

This document changed recently

Medium Aug 20, 2026

The updated terms change how Cash App Tag purchase fees are calculated and disclosed. Rather than a fixed $25 fee, the purchase price now ranges up to $250 and varies based on the specific tag selected and the customer's account type. The terms state that 'the specific fee amount is disclosed before you complete your Cash App Tag purchase,' meaning the final price appears at checkout. Additionally, the terms now extend Cash App Tag eligibility to Children using Sponsored Accounts, whereas the prior language explicitly prohibited Children from requesting, receiving, or using Tags in connection with Sponsored Accounts. You can review the specific fee before completing a purchase, and parents authorizing Sponsored Accounts should understand that their child may now access Cash App Tag functionality within the limitations set by the account sponsor.

View change record →
Medium Aug 7, 2026

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 →
Medium Jul 18, 2026

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 →

Clause Stability Mostly Stable

1
Change
5
Months Monitored
May 12, 2026
First Seen
May 20, 2026
Last Seen
This clause type exists across 1874 other provisions on other platforms.
This clause has changed once in 5 months of monitoring.

Change history

modified May 15, 2026

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 →

Consumer impact (what this means for users)

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.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Close Your Account
    If your account is suspended or you wish to close your account, contact Cash App support through the in-app help center or at cash.app/help. Request confirmation of fund availability and transfer of any remaining Cash App Balance before closure.

How other platforms handle this

Skillshare Medium

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...

Mailchimp Medium

If our moderators decide to remove content, or suspend or terminate the Member's account, we will notify the Member and explain how to contact us.

Glassdoor Medium

If we become aware that a child has provided us with personal data without parental consent, we remove such data and terminate the child's account (except where we are required to retain all or a portion of such data for compliance purposes).

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
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 Terms of Service

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

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.

Insight

Unlock the full institutional analysis

Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →

Applicable regulations

EFTA / Reg E
United States Federal
FTC Act Section 5
United States Federal
GLBA
United States Federal

Provision details

Document information
Document
Cash App Terms of Service
Entity
Cash App
Document last updated
May 5, 2026
Tracking information
First tracked
May 10, 2026
Last verified
May 12, 2026
Record ID
CA-P-010928
Document ID
CA-D-00077
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
a5a104698e1ba321e36cb27b4dc24ca6d4f49dac179789efa019dc36dd760c69
Analysis generated
May 10, 2026 03:42 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Cash App
Document: Cash App Terms of Service
Record ID: CA-P-010928
Captured: 2026-05-10 03:42:49 UTC
SHA-256: a5a104698e1ba321…
URL: https://conductatlas.com/platform/cash-app/cash-app-terms-of-service/provision/CA-P-010928/account-suspension-and-closure/
Accessed: Sept. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Cash App's Account Suspension and Closure clause do?

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.

How does this clause affect you?

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 many platforms have this type of clause?

ConductAtlas has identified this type of provision across 277 platforms. See the full comparison.

Is ConductAtlas affiliated with Cash App?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.