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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 or Square Point of Sale app. To get started:

From your online Square Dashboard

  1. Go to Banking > Balance on your online Square Dashboard.
  2. Under “Locations,” choose the location.
  3. Click the gear icon and select Bank account settings to manage your Square Debit Card and account settings.

To view your Square Checking Balance activity, visit the Balance section of your Square app or online Square Dashboard.

From your Square Point of Sale app

Go to the Balance section of your Square Point of Sale app, then tap Checking.

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.

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.

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.

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.

Account and Routing Numbers

Your Square Checking account includes account and routing numbers for making inbound and outbound transfers. You can use your account and routing numbers to allow third parties to debit your Square Balance at no additional cost to complete payments for bills or expenses. You also can use your account and routing numbers to deposit funds into your Square Balance.

To locate your account and routing numbers:

From your online Square Dashboard

  1. Go to Banking > Balance on your online Square Dashboard.
  2. Under “Locations,” select a location.
  3. Click the gear icon, then select Transfer settings.
  4. Click View account & routing number. You’ll be prompted to provide a verification code that was sent to the email address associated with your Square account.
  5. Once you enter the code, click Next. Your account and routing numbers will be visible, and you can copy your account details onto your device.
  6. Click Done.

Note: These account details can be used for direct deposits and ACH transactions. ACH transfer limit of $2,000 per day.

From your Square Point of Sale app

  1. Go to Square Checking balance > Account Details.
  2. Scroll down to see your account and routing numbers.

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.

From your online Square Dashboard

  1. Click Banking > Balance from your online Square Dashboard.
  2. Under the “Do more with your money” header, click Pay bills.
  3. A confirmation code will be sent to your email. Enter the code, then click Continue.
  4. Choose to pay a bill with a debit card or via bank transfer, then follow the prompts.

From your Square Point of Sale app

To pay a bill with Square Checking via the Square Point of Sale app:

  1. From the navigation bar tap ≡ More > Balance > Pay bills.
  2. A confirmation code will be sent to your email. Enter the code, then tap Continue.
  3. Choose to pay a bill with a debit card or via bank transfer, then follow the prompts.

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