Cash App is a financial platform rather than a traditional traditional brick-and-mortar bank, meaning its banking services, routing numbers, and direct deposit features are provided in partnership with insured depository institutions such as Sutton Bank (headquartered in Attica, Ohio) and Lincoln Savings Bank (headquartered in Waterloo, Iowa). Because routing numbers are assigned directly through these partner banks based on account specifications, users must verify their unique routing and account details directly within the mobile application interface prior to setting up payroll direct deposits or electronic funds transfers.