If your employer runs payroll through Workday, setting up Cash App as your direct deposit destination is about to get a lot simpler. On September 24, 2026, Block announced a partnership that makes Cash App a selectable option inside Workday’s Enhanced Direct Deposit experience. The integration goes live October 1, 2026, meaning eligible U.S. employees can route their paycheck to Cash App without manually copying routing and account numbers.
This guide walks you through exactly what changes, how to set it up both the new way and the classic way, the limits you need to know, and answers to the questions people ask most.
What actually changed on October 1, 2026
Before this partnership, sending your paycheck to Cash App meant treating it like any external bank: you’d grab your Cash App account and routing numbers and type them into your employer’s payroll portal. Now, for companies using Workday’s Enhanced Direct Deposit election flow, Cash App appears directly in the list of deposit destinations. You select it during the same screen where you’d normally add a bank, and Workday helps securely route your pay to your Cash App balance.
Morgan Kuntze, Global Head of Partnerships at Block, framed it this way: “Direct deposit is one of the clearest signals that customers see Cash App as more than a place to send and receive money.” The move targets what Cash App calls “Modern Earners” — freelancers, side-hustlers, content creators, and gig workers — noting that 65% of them still receive traditional ACH deposits into standard bank accounts.
One important prerequisite
Whether you use the Workday integration or the manual method, you must order and activate a Cash App Cash Card first. Direct deposit is unlocked by having an enabled Cash Card — no card, no paycheck routing. If you don’t have one yet, order it in the app before payday.
Method 1: Set it up inside Workday (the new way)
- Log in to your employer’s Workday portal (web or mobile).
- Go to Menu → Pay → Payment Elections (some companies label this “Direct Deposit”).
- Select Add or Edit a payment election.
- If your employer has the Enhanced Direct Deposit experience enabled, choose Cash App from the list of destinations.
- Follow the secure prompts to connect your Cash App account and confirm.
- Set your allocation — full paycheck, a fixed dollar amount, or a percentage — then submit.
Note: Availability depends on your employer turning on the Enhanced Direct Deposit experience. If you don’t see Cash App as an option after October 1, your company may not have enabled it yet — use Method 2 instead.
Method 2: The manual routing/account number method (works everywhere)
This classic method works in Workday and any other payroll system, and it’s the fallback if Cash App isn’t showing as a native option.
- Open Cash App and tap the Money tab.
- Tap Direct Deposit, then Account & Routing.
- Copy your account number and routing number. (You can also tap “Get Direct Deposit Form” to have Cash App email a pre-filled form, or “Copy Details.”)
- In Workday, go to Pay → Payment Elections → Add.
- Choose Checking as the account type and paste your Cash App numbers.
- Set your deposit amount or percentage and save.
Your Cash App routing number depends on your assigned banking partner. Direct deposits are handled by Lincoln Savings Bank (routing 073923033), while some accounts use Sutton Bank (routing 041215663). Always use the exact numbers shown in your app — don’t rely on a friend’s.
Cash App direct deposit limits and timing
| Feature | Detail |
|---|---|
| Per single direct deposit | Up to $25,000 |
| Rolling 24-hour period | Up to $50,000 |
| Early access | Up to 2 days early vs. many banks |
| Requirement to enable | Active Cash Card |
| Perk threshold | $300+ in qualifying deposits per month unlocks added benefits |
| Cost | Free (no fee to receive direct deposit) |
Cash App makes deposits available as soon as it receives them from your employer’s bank, which is often up to two days before a traditional bank would post the same paycheck. The exact day depends on when your employer’s payroll provider submits the ACH file — Cash App can’t release money it hasn’t received yet.
Worked example: splitting a paycheck
Say Jordan earns a $2,400 biweekly net paycheck and wants to keep bills separate from spending money. In Workday’s Payment Elections, Jordan sets up two entries:
- Cash App: 40% ($960) for everyday spending and Cash Card purchases.
- Existing bank: 60% ($1,440) for rent and savings.
Because the Cash App portion is $960 — and Jordan’s monthly qualifying deposits easily clear the $300 threshold — Jordan keeps access to Cash App’s paycheck-linked perks while still funding the primary bank account. This kind of split is one reason the direct-percentage option in Workday is so handy.
Frequently Asked Questions
Do I need a Cash Card to use the Workday integration?
Yes. Direct deposit on Cash App — whether set up through Workday or manually — requires an enabled Cash Card. Order one in the app and activate it before your setup date so your first paycheck isn’t delayed.
What if Cash App doesn’t appear in my Workday options?
The native option only shows up if your employer has enabled Workday’s Enhanced Direct Deposit experience. If it’s missing after October 1, 2026, use the manual method: enter your Cash App account and routing number as a Checking account in Payment Elections. It works identically.
Will my paycheck really arrive two days early?
Cash App releases direct deposits as soon as it receives them, which can be up to two days ahead of many traditional banks. However, “early” depends entirely on when your employer submits payroll. If they submit close to payday, you may not see a full two-day head start.
Is there a fee to route my paycheck to Cash App?
No. Receiving a direct deposit into Cash App is free. Standard limits apply — up to $25,000 per deposit and $50,000 in any 24-hour window — and there’s no charge for using either the Workday integration or the manual routing-number method.
The bottom line
Starting October 1, 2026, employees at Workday-powered companies get a cleaner path to paying themselves into Cash App: select it right in the Payment Elections screen, no number-copying required. If your employer hasn’t switched on the enhanced experience yet, the trusty account-and-routing-number method still gets you there. Either way, make sure your Cash Card is active first, know your $25,000 per-deposit ceiling, and enjoy potentially getting paid a couple of days sooner.
WalletWisp is an independent, informational resource and does not provide financial advice. Verify current limits, fees, and availability with Cash App and your employer before making decisions.
