Does Cash App count as direct deposit? Bank by bank (2026)
P2P at most; works at Capital One.
Type: Fintech
Confirmed working at 2 banks, mixed at 2, fails at 2.
Bank by bank
Sorted works first, then mixed, then fails. Each bank name links to its review, where you can see the offer's full requirements.
| Bank | Verdict | Reports |
|---|---|---|
| Capital One 360 | Works | — |
| M&T Bank | Works | 12 member reports of it working, 3 reports of it failing, last confirmed Jul 2026. |
| Chase | Mixed | 7 member reports of it working, last confirmed Jul 2026. |
| U.S. Bank | Mixed | — |
| Bank of America | Fails | — |
| Citizens Bank | Fails | — |
How to set it up
P2P at most; works at Capital One.
Send at least the offer's stated minimum, a little early in your bonus window. Standard ACH takes 1 to 3 business days to settle, so you want time left over to switch to real payroll if this push does not register as a direct deposit.