7 Reasons You Were Denied a Checking Account (Explained!)

Written By: Jason Andrews

Updated & Verified: May 2021

Denied a Checking Account? These Reasons are Probably Why...

  • Unpaid fees
  • Too many overdrafts
  • Too many bounced checks
  • Fraud
  • Bad credit
  • Errors on your ChexSystems report
  • Account abuse

The real question though is what exactly can you do about it?

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Did you know, over 1 million people have been blacklisted from mainstream financial service like getting a new checking account as a result of past financial mistakes? (1)

If you're one of these people, you know it can be embarrassing at best, and financially crushing at the worst.

Obviously, you’re going to need to take action if you want to be able to open an account. But before you know what to do, you need to know why you were denied an account in the first place. Some issues are easily-resolved, while others can take time and patience.

So, why might you have been denied? There are a number of reasons, but here are the seven most likely.

Once we’ve talked about why you might have been denied, we’ll talk about what you can do about it.  Let’s get started!

7 Reasons You Were Denied a Checking Account

denied bank account

Being denied a bank account can be extremely frustrating.

1. Unpaid Fees

When you apply for a bank account, the bank checks your information with a service called ChexSystems, which is an agency that tracks banking activity. Just as a credit bureau tracks your debts and repayments, ChexSystems tracks overdrafts, fees, and other banking charges. (2)

If there are unpaid fees from a previous bank, that’s going to appear on your ChexSystems report. Understandably, a new bank is going to hesitate to take you on if you owe your previous bank hundreds of dollars in fees.

Fortunately, this is easily resolved. If you have outstanding fees, call your old bank and pay them. The fees will then disappear from your ChexSystems report, and you should be able to open a new checking account.

If for some reason, you still can't get a new checking account your best option may be to join a bank that doesn't check ChexSystems.

2. Too Many Overdrafts

Banks like customers who keep money in their accounts. This much isn’t rocket science; it’s why a lot of accounts charge a fee if you drop below the minimum balance.

The same principle applies to overdrafts. Spend more than you have in your account, and your bank is basically lending you the money. This comes with a hefty overdraft fee, usually in the neighborhood of $35 per charge. (3)

The real problem arises when you apply for a new account. The bank will see that you’ve paid a lot of overdraft fees, and may decide not to take you as a customer. This is yet another excellent reason to avoid overdrafts whenever possible, even if you have overdraft protection.

3. Too Many Bounced Checks

Bounced checks work a lot like overdrafts; if you write a lot of them, a banker is going to assume you can’t manage your own finances. (4)

Bounced checks also cost you money in the form of added fees, in addition to any embarrassment you may suffer. Avoid bouncing checks like the plague.

4. Fraud

A bounced check indicates irresponsibility, but intentional fraud is a lot worse. If you have a criminal record for fraud, most banks will be hesitant to work with you.

Your best bet in this scenario will be to look for a second chance checking account, or apply for a joint account with a spouse.

In addition, you may be innocent of fraud, and someone else has stolen your identity. If someone has written bad checks in your name or otherwise damaged your credit, you could be denied an account.

5. Bad Credit

Bad credit can limit your ability to open a checking account at many institutions. Just like overdrafts and fees, other unpaid debts indicate to a bank that you may be a financial risk. (5)

Exactly what type of credit score qualifies as “bad” will depend mostly on the type of financial institution you’re with and the type of account you’re trying to open.

Credit unions and local banks will tend to have higher requirements, because they’re exposed to the most risk. Conversely, big national banks might not offer the same personal touch, but they’re more willing to accept customers with bad credit.

Simply being aware of your credit score won’t fix it; that will take years of hard work. But it can at least keep you from embarrassing yourself by applying for an account you don’t qualify for.

6. Errors on Your ChexSystems Report

Sometimes, even the most reliable companies and systems make a mistake. The same is true for ChexSystems.

For example, a bank employee could have mistyped a name, or inverted the digits in a Social Security number.

Thankfully, you can run a ChexSystems report on yourself to see what it says. If it shows overdrafts, fees, or other negative information that’s not true, you can file a dispute. You can also contact ChexSystems to discuss the issue if you have any questions. (6)

Once things have been cleared up, you should then be able to open a checking account. 

7. Account Abuse

There are other, miscellaneous reasons you can fall afoul of the banking system. Making frequent savings transfers, exceeding daily ATM limits, and other banking rule violations could limit your ability to open an account in the future.

How to Avoid Being Denied a Bank Account in the Future

If you’ve been denied, there are a few things you should do before applying for another account. The first step is ordering your ChexSystems report. Go over it, and see what kind of negative information you find. (7)

To begin with, there may be issues that are easy to clear up. If you have any unpaid fees, pay them off.

If there are errors in the report, dispute them. This will require documentation, and an investigation can take as long as 30 days. If information cannot be removed, it will eventually drop off by itself in five years.

If you were denied a checking account due to poor credit, things get a bit more complicated. You’ll have to order a copy of your credit report, and see if there are any accounts you can pay off in full. If not, you’ll only be able to boost your score slowly over time.

Conclusion

As you can see, there are a number of reasons you can be denied a checking account. The appropriate response will depend in large part on why you were denied in the first place.

Regardless, you can improve your chances of acceptance by maintaining good credit and avoiding fees and bounced checks. Do these things, and you should have no trouble getting an account in the future.

References

1. Jessica Silver-Greenberg, Writer, CNBC - https://www.cnbc.com/id/100927224

2. Ben Luthi, Experian - https://www.experian.com/blogs/ask-experian/what-is-chexsystems/

3. F. Norrestad, Statista - https://www.statista.com/statistics/325565/average-bank-overdraft-fee-usa/

4. Julia Kagan - https://www.investopedia.com/terms/b/bouncedcheck.asp

5. Jason Steele, Experian - https://www.experian.com/blogs/ask-experian/what-is-a-bad-credit-score/

6. ChexSystems - https://www.chexsystems.com/web/chexsystems/consumerdebit/otherpage/OnlineDispute

7. ChexSystems - https://www.chexsystems.com/web/chexsystems/consumerdebit/page/requestreports/consumerscor

Jason Andrews

About the Author

Jason is a journalist who specializes in covering credit repair, banking, and other areas of personal finance. As one of the nation's leading credit repair experts, he has helped countless people improve their credit scores and improve their lives financially. He lives in Omaha, Nebraska with his wife and two children.

Updated & Verified: May 2021

If you’re wondering if you can use Zelle with your Chime account, there is some good news and bad news.

It is possible to use Zelle with your Chime account even though it isn’t natively supported. However, your transfers won't happen as quickly as they would if Chime had Zelle integrated directly into their platform like some other banks do.

To ensure everything works properly and as efficiently as possible, it's important to ensure you have Zelle and Chime set up properly.

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Does Zelle work with Chime

Ever wonder if you can use Zelle with your Chime account?

Does Chime have Zelle?

As established above, Chime does not have Zelle currently integration - at least not natively anyway. 

Unlike some other banks, Chime does not have Zelle integrated directly in their platform currently though it is possible they will add it sometime in the future.

Regardless, it is possible to still use Zelle with your Chime account.

How to set up Chime to work with Zelle

To use Zelle with your Chime account, you need to first download and install the Zelle app for your device.

The Zelle app is available for free for both Android and iOS. 

Once you have Zelle installed on your device, you then have to set up a free account in the Zelle app.

Once you are signed into your new Zelle account, it will ask you to “find your bank”. 

As we’ve already established, Chime doesn’t work with Zelle natively. 

Regardless, start typing Chime to search for it and eventually a “don’t see your bank?” button will appear. Click on it. 

This is where you’ll enter your Chime debit card information which will allow you to use Chime with Zelle so you can send money to others with it. 

There is a drawback to be aware of though by doing this.

How fast are Zelle payments sent using Chime?

The biggest drawback to using Zelle with Chime is due to the fact Chime isn’t natively supported currently and because of that, you have to use your debit card to send payments.

This means that your payments aren’t sent as quickly as normal payments through Zelle are sent.

Instead of being nearly instant, the payments can take a few business days to process.

Despite that, this is still your best option for using Zelle with your Chime account.

Are there fees for using Chime with Zelle?

There are no fees for sending money using Zelle with Chime or with most other platforms for that matter.

Can someone use Zelle to send money to my Chime account?

Yes, anyone can use Zelle to send money to your Chime account.

The transfer just won’t be as quick as they would be if Chime had Zelle integrated natively in their platform.

What to do if you have issues setting up Chime to work with Zelle

If you follow the information we provide above, you shouldn’t have any problems setting up Zelle to work with your Chime account.

If for some reason you do though, you can try contacting Chime support but they may just tell you they can’t help you since Chime doesn’t natively have Zelle built in. (1)

You can also try contacting Zelle support to see if they can help you as well. (2)

In Closing

It is possible to use Zelle with your Chime account to send to and from others. 

However, it isn't is convenient to use as it would be if Zelle was fully supported by Chime like other banks.

Still, if you are looking for a simple way to send money to someone you know like a friend or family member, it's a good option regardless.

References

1. Chime - https://help.chime.com/hc/en-us/articles/224860707-How-do-I-contact-Chime-

2. Zelle - https://www.zellepay.com/support/contact

Updated & Verified: May 2021

If you’ve recently received a random Chime card in the mail and you aren’t sure why or how, this article will help uncover important information for you to know including why you likely received the card and why it’s crucial for you to take action as soon as possible.

Failing to take action could result in someone fraudulently opening another Chime account in your name and in doing so, ruining your banking history and potentially costing you a lot of money (among other potential costly issues). 

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sent a random chime card

Were you sent a random Chime card in the mail? This is likely what it means...

Why You Probably Received a Random Chime Card in the Mail

Unfortunately, it’s likely the reason you randomly got a Chime card in the mail is because someone has committed fraud and has tried to open a Chime bank account using your name and information.

Chime is a legitimate online only bank that has millions of active members. Many people consider it the future of banking.

Thankfully this time anyway, the Chime card associated with this new account was sent to your mailing address and consequently you were notified - but I wouldn’t count on that happening again making it crucial for you to take action as soon as you can to keep your banking history and finances as safe as possible.

The first thing you should do is contact Chime support to notify them of the issue.

Contacting Chime Support (What’s the Best Way)

Getting a hold of someone at Chime bank over the phone is often nearly impossible.

This is because Chime is a virtual/online bank and doesn’t have any brick and mortar locations. 

While Chime is actually a really good bank, it has its drawbacks like any bank or service and the lack of in-person customer service at times like these is often one of the main drawbacks.

You can at least try calling Chime support if you want at 844-244-6363 - but be warned, the phone system is automated so you may or may not have luck with figuring out how to actually talk to someone there. (1)

Normally your best option for getting a hold of a Chime customer service representative is by emailing Chime support and letting them know of your issue and that you need to close the new account as soon as possible.

To email Chime support, send a message to support@chime.com.

Make sure you explain to them that you believe you were the victim of fraud and that you didn’t actually sign up for a new Chime account but it appears someone else did because you received a random Chime card in the mail.

In most cases, the next step will be to close the newly opened Chime account.

How to Close the Chime Account

Once you’ve talked to Chime support over the phone or by email, they will likely request that you provide them with the last 4 digits of your social security number and a picture of your photo ID to verify your identity with them so they can close the account. 

This may seem like a bit of an odd request and somewhat unsettling considering what you’re dealing with but go ahead and do it as ultimately it’s the only way to get the Chime account closed. 

How to Prevent this From Happening Again (Crucial!)

Once the Chime account has been closed, the Chime representative will normally flag the account as fraudulent.

If for some reason they don’t, make sure you ask Chime support to do this to help prevent someone from opening an account again by using your info.

In addition, it’s probably a good idea to add a fraud alert with all 3 of the major credit bureaus for the time being for added protection.

Adding Fraud Alerts

Adding a fraud alert is a preventative measure you should 100% take if someone has tried opening a Chime account without your knowledge and/or permission. 

You’d hate to find out the hard way that they’ve done other things with your information and caused you to incur huge amounts of debt because of it (among other potential issues).

By adding a free fraud alert on your accounts, it in essence adds a red flag telling potential creditors or lenders that you may have been the victim of fraud or identity theft and that they must take extra steps to ensure that you are the one actually requesting credit, funds, etc.

Think of it as an extra (yet temporary) layer of safety.

Adding a fraud alert on Equifax

To add a fraud alert on Equifax, go to the following website: https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/.

Then click on “place an alert” and fill out and submit your information on the following online form. (2)

Adding a fraud alert on TransUnion

To add a fraud alert on TransUnion, go to the following website: https://www.transunion.com/fraud-alerts.

Click on “add fraud alert” and then choose the right fraud alert for your situation (either 1 year or 7 years). (3)

For most people, choosing the 1 year option is what you need unless you have a valid identity theft report from law enforcement in which case you can choose the 7 year option.

On the following page you’ll need to “create an account” or login to your TransUnion account to add the fraud alert to your account.

Adding a fraud alert on Experian

To add a fraud alert on Experian, go to the following website: https://www.experian.com/fraud/center.html.

Click on “add a fraud alert”. Then select the length of time that you’d like to have the fraud alert on your account (either “temporary” 1 year or “extended” 7 years). (4)

In most cases, you’d choose the temporary 1 year option unless you have a copy of a valid identity theft report from law enforcement in which case you can add an extended 7 year fraud alert on your account if you choose to do so.

Then on the resulting screen you would just fill out the online form with the relevant info and then click submit.

In Closing

In most cases, if you get a random Chime card in the mail it’s often a bad sign that means someone has fraudulently used your info to try to open a new Chime bank account. 

If this is the case, you definitely need to take action to protect your banking history and finances. Failing to do so could be a costly mistake.

The first thing to do is contact Chime customer service and have the account opened with your information closed as soon as possible and have them mark the account as fraud.

As an added layer of protection, it is recommended that you add fraud alerts to the 3 main credit bureaus also as at this point you really don’t know what else this person has access to so it’s best to protect yourself.

References

1. Chime - https://help.chime.com/hc/en-us/articles/224860707-How-do-I-contact-Chime-

2. Equifax - https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/

3. TransUnion, https://www.transunion.com/fraud-alerts

4. Experian - https://www.experian.com/fraud/center.html

Updated & Verified: May 2021

If you're a Zelle user already or considering using Zelle for sending money to others, you've probably wondered about things like buyer protection or if you can use a credit card with the Zelle platform (which you can't).

Find quick answers to these important common Zelle related questions and more below!

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using Zelle

Want to know what you can and can't do with Zelle?

Zelle has an average of over 65,000 new users registering for the platform on a daily basis. 

Before you sign up for an account or if you are new to using Zelle, there are some important things for you to know.

Does Zelle have buyer protection?

Zelle does not offer its users any buyer protection or fraud protection services for authorized payments through the platform.

This means that if you buy something with Zelle, and the seller doesn’t send the item or the item is broken when you get it (for example), Zelle won't help you with getting your money back.

This is why it’s extremely important that you only send money to people that you know and trust when using Zelle (such as friends or family). (1)

Without any buyer protection, you are running the risk of being scammed and losing your money completely if you send money to someone you don't really know.

Does Zelle report to the IRS?

No - Zelle does not report to the IRS.

Because Zelle is a money transferring platform, it doesn't meet the definition of a Payment Settlement Entity and consequently Zelle doesn't have to submit a 1099-K with the IRS.

That being said, however, it is important that you report any and all income that you generate to the IRS whether you are being paid using Zelle, by check or any other means of payment. (2)

Failing to do so could result in you needing to pay backed taxes and fees to the IRS.

How can you block someone on Zelle?

Blocking someone from sending you payment requests in Zelle can be difficult. 

If you use Zelle through your banking app (like most people), you can try to delete the person from your Zelle from within your bank's app or on your bank's website - but this may or may not prevent that person from sending you payment requests.

If this still doesn't help, you can try to call your bank's customer support to ask them if they can block the person on their end since there currently isn't a simple way to do it yourself.

Otherwise your last option may be to disconnect and uninstall Zelle completely.  

Does Zelle work on weekends?

Yes - transferring money to or from someone using Zelle will work on weekends.

Money sent through Zelle is typically received within minutes no matter the time of day or day of the week it is including on holidays.

Does Zelle work with Green Dot?

At this time, Zelle does not work with Green Dot prepaid debit cards.

Unfortunately there is a lot of information online reporting that you can use Green Dot prepaid cards with Zelle, but that information is inaccurate.

Can you have multiple Zelle accounts?

The Zelle support site anyway says you can’t have multiple Zelle accounts.

However, if you have multiple bank accounts, you can in-fact have multiple Zelle accounts.

In order to have multiple Zelle accounts, you’d need to set up each account with a different email address or phone number.

To clarify, you can’t have multiple Zelle accounts for the same bank account.

Does Zelle accept prepaid cards?

For the most part, prepaid debit cards will not work for sending money using Zelle. (3)

However, you can use the Chase Liquid Card and the PNC Smart Access card with Zelle - but they are the exceptions to the rule really and you have to have an account with Chase or PNC to use them.

Otherwise if you try to use a prepaid debit card with Zelle, you’ll get an error message saying that the card you are trying to use is ineligible.

Can you use a credit card on Zelle?

You can not use a credit card with Zelle. (4)

Your Zelle account is tied to your bank account so you can only use a debit card that is tied to your bank account or your bank account itself to send money using Zelle.

Does Zelle accept American Express?

Zelle does not work with American Express.

You can only use the Visa or Mastercard debit card associated with the bank you have your Zelle account already associated with. 

Can a Zelle payment be reversed or can you charge back on Zelle?

Depends on the situation really.

If fraud is involved and can be proven, a Zelle payment could potentially be reversed. (5)

That being said, Zelle does not offer any buyer or seller protection and is intended to be used for sending money to people that you trust like friends and family so getting them to reverse a payment may prove difficult.

In some cases you may be able to cancel a payment you made with Zelle in essence reversing the payment.

This most frequently occurs when you Zelle someone and that person doesn’t currently have a Zelle account. 

That person has 14 days to set up a free Zelle account to claim the funds that you sent them.

During this 14 day window, you are able to cancel the payment if you choose to do so.

Can you dispute a Zelle payment?

If you think you were the victim of fraud or have an unauthorized transaction on your account, you can report it to Zelle by calling 1-844-428-8542 and in doing so, dispute the transaction.

However, Zelle does not provide buyer or seller protection services so they may or may not actually reverse the transaction depending on the situation.

That’s why it’s crucial to ensure you are only sending money to people you know and trust with Zelle.

Does Zelle work with PayPal?

Yes, Zelle does work with PayPal.

Download the Zelle app and install it. Then set up an account on Zelle like you normally would if you don’t have one already.

When it asks you what bank you want to use with your account, just start typing anything (it doesn’t matter what).

A button will show up that says “Don’t see your bank?”. Click on it.

It will take you to a screen where you can enter a debit card. Enter your PayPal debit card information and you should be all set.

Can Zelle send money to Netspend?

At this time, you can’t Zelle money to a NetSpend card. Your best option for sending money to a Netspend card is to use FlashPay.

What happens if you Zelle money to a closed account?

If you try to Zelle money to a closed account, in most cases the transaction simply won’t go through.

If for some reason it does go through and then you realize the account was closed, your best option is to contact Zelle to find out if there is anything you can do to retrieve the money.

They might recommend that you reopen the closed Zelle account (if you can) so you can retrieve the funds - but it just depends on your specific situation.

References

1. Zelle - https://www.zellepay.com/support/im-unsure-about-using-zelle-to-pay-for-goods-or-services-from-someone-i-dont-know

2. Internal Revenue Service - https://www.irs.gov/newsroom/heres-what-people-should-know-about-reporting-cash-payments

3. Quora, https://www.quora.com/Does-Zelle-accept-prepaid-cards

4. Zelle - https://www.zellepay.com/support/im-receiving-an-error-message-that-my-card-is-ineligible

5. Zelle - https://www.zellepay.com/support/can-i-cancel-a-payment

Updated & Verified: May 2021

Zelle is a very popular peer-to-peer (P2P) payment platform that makes it effortless to send and receive money to and from friends, family and pretty much anyone else with access to the platform.

But have you ever wondered how Zelle makes money - and maybe more importantly, what's the catch with using it?

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how does zelle make money

Have you ever wondered how Zelle makes money?

In 2020, Zelle users sent an astonishing $307 billion in 1.2 billion transactions through the platform. A volume increase of 58% over 2019. (1)

Clearly Zelle is a huge player in the P2P app space and it's user base is quickly growing.

But how much does it cost to use or what are the fees? It might actually surprise you.

How Zelle Makes Money (Answered & Explained!)

Since Zelle is not a fee based platform, it doesn't actually generate revenue - at least not directly.

Instead, Zelle was developed to save banks money since other peer to peer platforms like PayPal and Venmo actually cost banks money with transaction fees.

With Zelle, banks don't pay these transaction fees. However, at some point in the near future, Zelle may generate revenue with in-app affiliate related offers but currently that is not the case.

Additionally, banks save money by catering toward what will ultimately be a cashless society in which banks don't need to pay to maintain ATMs or fully staff bank branches with many transactions becoming automated.

Is There a Fee to Use Zelle? (And How Much)

There is no fee to use Zelle. You don't pay anything to send or receive money when using Zelle.

It is recommended, however, that you check with your bank or credit union to ensure you don't pay any additional fees that aren't directly related to Zelle but that your bank might still have (like a transaction fee for sending money for example). (2)

What's the Catch with Using Zelle? (Important!)

As the saying goes - if it seems too good to be true, it probably is. But is it too good to be true with Zelle?

In this case, however, using Zelle is really an exception to the rule as there is really no catch for using it to send or receive money to and from others since ultimately there are no fees (unless your bank charges you a fee, but that's pretty uncommon).

The most important thing to know, is that your bank has to be enrolled in Zelle to be able to send money to others (the people you send money to won't have to have a bank that's enrolled in Zelle - but they do need to have a bank account in the United States) and for people to send you money with Zelle, their bank has to be enrolled in using Zelle (your bank account doesn't need to be enrolled, however). (3)

In Closing

Using Zelle to send or receive money is a fast, easy, and secure way of doing it. It's even better though because it's 100% free with no hidden costs or fees unlike some of the other options out there.

As long as your bank has enrolled in Zelle, you should have no problem sending money to others who have banks in the United States.

References

1. Zelle Press Release - https://www.zellepay.com/press-releases/zeller-closes-2020-record-307-billion-sent-12-billion-transactions

2. Zelle Frequently Asked Questions - https://www.zellepay.com/support/are-there-any-fees-to-send-money-using-zelle

3. Zelle Frequently Asked Questions - https://www.zellepay.com/support/who-can-i-send-money-to-with-zelle

Updated & Verified: May 2021

If you don't have a bank account (or don't want to use one) but want to use Cash App, you may be wondering how and where to go in order to do this.

Not surprisingly, there is a lot of misinformation and confusion online about if and how. 

Worse yet, doing this the wrong way could actually cost you money - potentially a lot of money.

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how to add money to your cash app debit card

Try to add money to your Cash App debit card?

Currently Cash App has right around 30 million active monthly users. (1)

With such a huge user base, it's not surprising that some people would like to use Cash App without needing a bank.

Where Can I Load my Cash App Card (Answered)?

Several places online are incorrectly reporting that you can go to a local store and add money to your Cash App account by having a cashier process the transaction and add the funds to your Cash App debit card (aka "Cash App cash card").

Unfortunately, this isn't accurate though and trying to do so would be a waste of time and effort.

The only way to really add physical cash to your Cash App account at a store is by purchasing a Green Dot MoneyPak card and using cash to load money onto that card and then linking that card to your Cash App account.

To clarify, it has to be a Green Dot MoneyPak card specifically. Pretty much all other options pre-paid debit card options simply don't work with Cash App.

So despite what you maybe read online, you can't just go to a local store and add cash to your Cash App account or debit card - at least not by doing what they are suggesting.

Let's take a look at exactly what you need to do.

How to Add Physical Cash to Cash App in Store (3 Simple Steps)

As we have already established, you can't directly load or add physical cash to a Cash App account or debit card at a store without using a Green Dot MoneyPak card.

This is the step-by-step process in how you can properly set things up so you can add cash in-store to your Cash App account.

1) Find a store that sells Green Dot MoneyPak Cards

As we've already established above, the only way to currently do this is to use a Green Dot MoneyPak card.

With over 70,000 retailers nationwide that carry Green Dot MoneyPak cards (including Walmart, CVS, Walgreens, 7-Eleven, Dollar General and many others), finding a store that has them should be pretty easy for you in most cases. (2)

2) Take Your cash and Load it onto Your Green Dot MoneyPak Card

This process really couldn't be much easier.

All you need to do is load your cash onto your Green Dot MoneyPak card.

A cashier at the store your at should be able to complete this process for your. You can load between $20 and $500.

Keep in mind, adding funds to your Green Dot MoneyPak card isn't free and will cost you a flat fee of $5.95.

3) Use Your Green Dot MoneyPak Card with Cash App

Once the money has been loaded onto your Green Dot MoneyPak card, you'll have to go through the process of setting up a free account with Green Dot.

Setting up an account should only be a one time requirement though so adding cash to your Cash App account in the future should be much faster.

Then you'd use the code that you scratch off on the back of your MoneyPak card to access the money.

Once the money is available on your Green Dot MoneyPak card, you should be all set with using it with Cash App.

Adding Cash to Your Cash App In Store Without a Bank Account (Common Questions)

How much does it cost to load my Cash App debit card in store?

Currently there is no way to directly load money onto your Cash App debit card in store. If you use the Green Dot MoneyPak work-around like recommended above, the cost to add funds to it is a flat $5.95 each time you do it.

Can I load my Cash App card at an ATM?

Currently, you can not use an ATM to load cash onto your Cash App debit card. (3)

Where can I load my Cash App card for free?

Currently, there is no way you can physically add cash to your Cash App debit card for free in store.

The only way to do it potentially without a charge is if you have a friend that you trust that has a Cash App account that you can give them the funds and have them send it to your Cash App account and in doing so, indirectly depositing that money into your Cash App account.

How to load your Cash App card with cash

You can load your Cash App card with cash at any one of the locations discussed in this article.

It's always recommended to call ahead though to ensure your local store can do this and that someone there knows how.

How to load money on your Cash App card without a bank account

By going to one of the stores listed in this article, you can add money to your Cash App card without using or having a bank account by using Green Dot MoneyPak.

Alternatively, if you know someone you trust who also uses Cash App, you could give them the money you want to load and have them send the money to your Cash App account using their Cash App account.

What if you have problems loading money on to your Cash App debit card?

If you are having problems loading money on to your Cash App debit card, it really depends on what specific issue you are having as far as what you can do about it.

If for whatever reason the location you went to doesn't have someone who knows how to process this type of transaction, your only option may be to go to a different location. It is recommended that you call ahead first though.

If you are getting an error of some kind when trying to add money to your Cash App debit card, the first step will be to reach out to Cash App customer support to see if they can help you with addressing the problem. (4)

Final Thoughts

If you want to use physical cash to reload you Cash App debit card without a bank account, it can be a challenge and your options are limited.

The best way is to use a Green Dot MoneyPak card to accomplish this but it's unclear how long this method will continue to work.

It's instead much easier to just use a bank account with Cash App. If you have a Chime account, check out our guide showing how to use Chime with Cash App.

References

1. David Curry, Business of Apps - https://www.businessofapps.com/data/cash-app-statistics

2. Green Dot MoneyPak Locations - https://www.attheregister.com/locations?services=6&showfilters=MoneyPakLocatorButton

3. Cash App Support - https://cash.app/help/us/en-us/3087-cash-card-atm-fees

4. Cash App Support - https://cash.app/support?category=SOMETHING_ELSE#category-detail/SOMETHING_ELSE

Updated & Verified: May 2021

Are you considering joining BBVA Compass Bank or maybe you're already a member and have questions about the deposit services they offer and/or how they work?

Join us as we help you answer 9 questions concerning BBVA Compass Bank's deposits. Some may surprise you!

For additional information about BBVA Compass Bank and their service, check out our full BBVA Compass Bank review.

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bbva questions

These are some common BBVA Compass Bank questions that you may have before or shortly after joining

Does BBVA direct deposit early? 

BBVA’s Direct Deposit allows its customers to have a convenient and speedy method of depositing paychecks without having to travel to a bank branch. While BBVA processes your direct deposits nearly instantly, you will not be able to access your funds early and the length of time it takes to access them ultimately depends on how quickly your employer and their bank processes things.

What time does BBVA direct deposit hit? 

Your employer specifies the due date of direct deposits, but deposits generally occur within the same business day or on the next business day for non-bank dates. Direct deposits are usually booked immediately, and the deposits are typically made into your account between 2 am – 6 am. (1)

Does BBVA accept third party checks? 

Your ability to deposit or cash third party check really depends on a few things, including the amount of the third party check. If the check value is relatively small, then getting this check cashed probably won't be a big problem for you. If the check is a larger amount, than you may have some difficulty getting a third party check cashed. Regardless, BBVA will probably require your photo ID and in some cases, may decide to not cash the check no matter what. (2)

Does BBVA direct deposit on Saturday?

No, BBVA does not direct deposit on Saturdays. They only process direct deposits on business days so you will need to wait until the following Monday for your direct deposit to be accessible. (3)

Can I see pending deposits on BBVA? 

Yes, you can view all pending and posted transactions in your BBVA account even if the funds are unavailable including pending deposits. Details can be viewed through the “View Transaction Activity” option under the Payments and Transfers section. Any financial transaction applied to the available BBVA Online Banking account balance but has not cleared would be classified as a pending transaction.

How long does BBVA take to clear a check? 

It typically takes up to five business days for BBVA to clear checks and make your funds available. However, checks may remain on hold for numerous reasons, depending on influencing factors. These details can be viewed within "Funds Availability Disclosure" within the deposit account agreement.

Does BBVA have a direct deposit limit? 

There is no specified limit, but Direct Deposits under $5,525 fall within BBVA’s general processing policies. Direct deposits can be set up by downloading and filling out the Payroll Direct Deposit Form. The employer or Human Resources Department should handle setting up the direct deposits to the specified account. 

Direct Deposit enrollment can also be set up by contacting the SSI (Social Security and Supplemental Security Income), Civil Service Retirement, or Veteran’s Compensation and Pension. After these bodies have been consulted, Standard Form 1199a should be completed and brought to a BBVA branch for completion.

Does BBVA accept money orders?

Yes, BBVA can accept most money orders provided that they are appropriately written and are endorsed. However, BBVA may not accept deposits involving checks written from personal accounts, cash advance checks from credit card issuers, most loan checks, traveler's checks, eChecks that have been printed, checks that are not made in USD, U.S. savings bonds, and checks written to another individual or business.

Can you mobile deposit a money order with BBVA? 

BBVA typically allows you to deposit money orders through their app by providing the deposited money orders' source and purpose. Clear front and back pictures are required with up to 15 photo deposits per month and a limit of $3000 per deposit, with the first five money orders being limited to $2000. The first $200 may be released to you the following business day, after which the remainder will be released the day after. 

The BBVA mobile app does allow users to deposit checks by providing clear photographs of the front and back of the check and enables users to deposit multiple checks in one session. BBVA endorses the process, necessitating the user's signature and information and "BBVA Compass" below this information.

References

1. BBVA Compass Bank - https://www.bbvausa.com/checking-accounts/direct-deposit.html

2. BBVA Compass Bank - https://www.bbvausa.com/disclosure/consumer-deposit-agreement.html

3. BBVA Compass Bank - https://www.bbvausa.com/disclosure/guides/account-guide.html

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