Cash App is not a bank, but a financial technology app developed by Block, Inc., a financial technology company. While Cash App developed and manages the technology behind its product, it outsources core banking functions to its bank partners, Sutton Bank and Lincoln Savings Bank. Sutton Bank administers the Cash Card, while Lincoln Savings Bank handles direct deposits from external payers. Cash App users can access a range of banking services through these partner banks, including a checking-style account, a customized debit card, and access to paychecks up to two days early. Cash Apps bank partners provide all of the banking services available through the app, while Cash App provides the technology.