FDIC-Einlagensicherung bis 250.000 $ pro Einleger pro versicherter Bank und je Eigentumskategorie. Für lizenzierte Banken ist die Deckung direkt. Für Fintechs, die im Partnerbank-(BaaS-)Modell betrieben werden, ist die Deckung „pass-through" und gilt bei der Partnerbank, nicht beim Fintech.
Wichtig. Dieses Produkt wird über ein Partnerbank-Modell (BaaS) angeboten. Kundengelder werden bei Sutton Bank and Wells Fargo Bank, N.A. gehalten, FDIC-versichert bis 250.000 $ pro Einleger auf Pass-Through-Basis. Das Fintech selbst ist KEINE lizenzierte Bank und ist NICHT separat FDIC-versichert — prüfen Sie das FDIC-Zertifikat der Partnerbank über BankFind, bevor Sie sich auf die Deckung verlassen.
Primärquelle: https://banks.data.fdic.gov/bankfind-suite/bankfind
Block, Inc., not a bank
Cash App is a product of Block, Inc. (NYSE: SQ) — the same parent that owns Square. Block is a public-company fintech, not a chartered bank. Cash App's banking-style features are delivered through partner banks under a BaaS model.
Four products, four protection regimes
The Cash App surface looks unified inside the app, but it spans four legally distinct product types. Treating them all as one balance is the most common safety mistake:
- Cash App balance. Held at FDIC-insured partner banks via pass-through; covered to $250,000 per depositor per partner bank, current as of editorial verification on 2026-04-29.
- Cash App Card. A Visa debit card issued by Sutton Bank. Spending pulls from your Cash App balance — same FDIC protection as the balance itself.
- Cash App Investing. Stock and ETF holdings via Cash App Investing LLC, a Member FINRA / SIPC broker-dealer. Not FDIC. SIPC protects against broker-dealer failure, not market loss.
- Bitcoin. Custodied by a Block affiliate. Not FDIC, not SIPC. If Cash App's crypto custody fails, the recovery path is contract and bankruptcy law — not deposit insurance.
FDIC pass-through scope
For the cash balance only, FDIC pass-through applies to $250,000 per depositor per partner bank, subject to the standard custodial-account record-keeping requirements. Per the Cash App Terms of Service, balances may be held at Sutton Bank or Wells Fargo Bank, N.A. — verify both certificates via the FDIC's BankFind Suite before sizing exposure. As with any partner-bank fintech, the $250,000 ceiling aggregates across other fintechs that share the same sponsor bank.
2023 outage and ongoing fraud-dispute concerns
Cash App had a high-profile multi-day outage in 2023 that left customers unable to send or receive funds; deposits were never at risk, but the scale of the disruption highlighted the operational fragility of consumer fintechs without a bank charter. Independent of that, Cash App has been the subject of persistent regulatory and consumer-complaint attention over fraud-dispute handling and Reg E response timeliness — a workflow issue, not a deposit-protection one, but worth knowing if you treat Cash App as your primary checking surface.
Verdict
For the cash balance and Cash App Card, FDIC coverage is real and sufficient for typical consumer balances. For Bitcoin and stocks, the protection regime is entirely different — don't treat them as bank deposits. The most underrated risk is the dispute-handling track record, not the FDIC mechanic.
Die FDIC-Pass-Through-Deckung gilt je Partnerbank, nicht je Fintech. Wenn Sie Guthaben bei mehreren Chime-ähnlichen Fintechs halten, die dieselbe Partnerbank nutzen, wird Ihr FDIC-Limit von 250.000 $ über diese Salden hinweg zusammengerechnet. Kryptobestände, auf Investitionen wartendes Brokerage-Guthaben und Überziehungsschutzlinien sind NICHT FDIC-versichert — prüfen Sie den Produkttyp, bevor Sie von Deckung ausgehen. Reg E gewährt eine begrenzte Haftung für nicht autorisierte elektronische Überweisungen, sofern diese fristgerecht gemeldet werden.