Manage Your Square Checking Account
Square Checking is a checking account that gives you instant access to your sales with Square. Sales you process with Square are immediately available to spend on your Square Debit Card or with your account and routing numbers. Read more in our Square Checking FAQ.
Once you sign up for Square Checking, you can manage your Checking account settings and Square Debit Card through your online Square Dashboard, the Square Dashboard app, or the Square Point of Sale app. To get started:
- Go to Banking > Balance on your online Square Dashboard.
- Under “Locations,” choose the location.
- Click the gear icon and select Bank account settings to manage your Square Debit Cards and account settings.
To view your Square Checking Balance activity, visit the Balance section of your Square app or online Square Dashboard.
- Log in to the app and tap Banking.
- Under Locations, select Square Checking account.
- Tap the gear icon to manage settings for your Square Checking account, manage your transfer settings, and view any active disputes.
Note: Not all account settings features and functionality is available through the Square Dashboard app at this time.
Manage Your Checking Balance
When you make a sale, your funds are immediately available to access in your Square Checking account balance via your Square Debit Card or your account and routing numbers. You can also add funds to your Square Checking balance using your account and routing numbers or a linked debit card.
You can transfer funds from your Square Checking balance to your linked bank account or debit card at any time using next-business-day or instant transfers from your online Square Dashboard, the Square Dashboard app, or the Square Point of Sale app.
Square account holders can also order up to five debit cards per individual Square account. The additional debit cards can be assigned out to individuals at your business, such as managers or other team members. Once additional debit cards are ordered and activated, Square account owners can manage the debit cards the same way as the primary card on the Square account. Actions such as locking or canceling the cards, managing notifications, or viewing account and routing numbers can be done by selecting the debit card from the Balance section in your Square Point of Sale app or in your online Square Dashboard.
Read more about managing your checking balance.
Add Square Card to Your Digital Wallet
Square Debit Card includes the option to add your card to Apple Pay or Google Pay for faster online, in-app, and in-person payments with your mobile device. You can only add your phone to Apple or Google Pay from your Square Point of Sale app and not your phone’s wallet settings.
Note: Only Square account owners can add additional Square Debit Cards to their digital wallet on their smartphone. Non-Square account owners invited to use additional Square Debit Cards do not have the ability to add debit cards to their digital wallet.
Read more about adding Square debit Card to your digital wallet.
File a Dispute on Your Square Debit Card
Where there are card payments, there are payment disputes. As a Square Checking account owner, you can count on us to help you through this process and present your dispute to the merchant in a timely manner.
Note: If you have multiple Square Debit Cards active on your account, only the Square account holder is able to file a dispute for any debit cards on the account. Non-Square account owners invited to use additional Square Debit Cards aren’t able to file a dispute.
Learn how to file a claim on your Square Debit Card.
Square Debit Card Refunds
Refunds can take up to 10 business days to post to your account from the date the merchant issues the refund. As soon as Square receives the refund, the funds will automatically appear in your available Square Debit Card balance.
If the credit does not post to your Square Debit Card balance within 10 business days from when the merchant issued the refund, please contact Square Support with documentation of the merchant’s issued refund.
Pay Bills with Square Checking
You can pay recurring bills, utilities and other expenses by going to the biller’s website and entering your Square Checking information.
- Click Banking > Balance from your online Square Dashboard.
- Under the “Do more with your money” header, click Pay bills.
- A confirmation code will be sent to your email. Enter the code, then click Continue.
- Choose to pay a bill with a debit card or via bank transfer, then follow the prompts.
Note: Bill Pay is not available from the Square Dashboard app at this time.
Issue Printable Checks
You can use your Square Checking balance to issue printable checks. Once you create your check, you can download and print a copy or email the check as a PDF attachment to your recipient.
Learn more about issuing printable checks with Square Checking in our Support Center.
Make Cash Deposits
In addition to mobile check deposits and instant transfers, you can make cash deposits into your Square Checking account. When you make a cash deposit at a participating retail location, the cash is instantly available in your Square Checking balance so you can spend your funds with your Square Debit Card, use Square Bill Pay, and more.
You can submit cash deposits without fees at participating retailers, and you can find additional cash deposit retailers by their closest distance to you in the Square Point of Sale app. You only need a barcode generated from the Square Point of Sale app to complete a deposit.
Learn more about cash deposits with Square Checking in our Support Center.