What changed in Cash App's terms

October 12, 2026 Grade D (51) → B (20)

Changes to Terms. Cash App can change its terms at any time. If you keep using the service after the change, you agree to the new terms. You also agree to get notices from Cash App electronically.
Liability Limit. If Cash App's outage or mistake costs you money, the most you can get back is what you paid them last month. Cash App is not an FDIC-insured bank, so your deposits are not insured unless you have a Cash App Card or Sponsored Account.
Account Termination. Cash App can terminate your account at any time. If this happens, you'll need to withdraw your funds within a certain time frame or they may be escheated to the state.
Tracking. Cash App may track and share your information, but the details are unclear. You should review the privacy notice for more information.
Age Restriction. You must be at least 18 years old to use Cash App. If you're authorizing a minor to use a Sponsored Account, you're liable for their actions and responsible for any tax consequences.

September 12, 2026 Grade C (44) → D (51)

FDIC Pass-Through Insurance — now high risk. Your Cash App balance is eligible for FDIC pass-through insurance if you have a Cash App card or a sponsored account, which protects your money up to $250,000.

Account Information. You must keep your account information up to date, and Cash App may verify your identity to prevent fraud.
Disputes. You must follow the dispute and customer support procedures to resolve any issues with your account.
Eligibility. You must be at least 18 years old to use Cash App, but some features may be available for minors with a sponsored account.
Verification. Cash App may track your transactions and verify your identity to prevent fraud.

September 10, 2026 Grade D (56) → C (44)

Revisions. Cash App can update its terms at any time, and you agree to the revised terms by continuing to use the service. You also agree to receive electronic notices from Cash App.
FDIC Pass-Through Insurance. Your Cash App balance may be eligible for FDIC pass-through insurance, which covers up to $250,000 in the event of a bank failure. However, this insurance only applies if you have a Cash App card or a sponsored account.
Termination of Account. Cash App can terminate your account at any time, and you may not be able to access your funds or use certain features. You're responsible for keeping your account information up to date and cooperating with any investigations.
Use of AI-Powered Features. Cash App may use AI-powered features to provide you with suggestions and information. You're responsible for reviewing and confirming any actions before they're executed.
Account Information. Cash App may obtain and verify your account information, including your identity and financial information. You agree to keep this information up to date and accurate.
Sponsored Accounts. If you create a sponsored account for a minor, you're responsible for their actions and any fees or charges associated with the account. You can withdraw your authorization at any time, but you may still be responsible for any tax consequences.