Stash Banking / Stock-Back Rewards Debit Card & Digital Account

  • Stash banking is a digital account with the Stock-Back® debit card that allows users to spend on well-known brands and be rewarded with a piece of matching stock.
  • No overdraft or minimum balance fees.
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Stash Banking review: An online banking account with a debit card that pays you back with stock rewards.

What is a Stash Banking?

With Stash Banking, you get a digital banking account with a debit card that rewards you with pieces of stock when you make purchases at well-known public companies, such as Walmart or Starbucks.

Open your Stash Banking account in 2 minutes.

Stash Banking services are provided by Stride Bank, N.A., Member FDIC. Stash Investments LLC (‘Stash’) is an SEC-registered investment adviser. Stash Capital LLC is an SEC-registered broker-dealer and member of FINRA/SIPC.

How Stash Banking Works

Stash banking app features include mobile check deposit, debit card lock and unlock virtual card, real-time transaction alerts, recurring transfers, and digital wallet compatibility for both Apple Pay and Google Pay.

The Stock-Back® Card: Shop at well-known brands and get rewarded with pieces of matching stock. Instead of points that might expire, you’ll get stock that can actually grow in value over time.

No hidden fees. The digital banking account has no overdraft fees, minimum balance fees, monthly maintenance fees, and set-up fees. You also have access to over 55,000+ fee-free ATMs worldwide, as well as fast cash deposits with no extra fee at participating retailers like CVS Pharmacy, Walgreens, and Walmart. (Limits may apply. Money should be available about 10 minutes after you complete the deposit.)

Instant transfers: Transfers within Stash between your investment portfolio cash and your Stash banking account are instant, eliminating the wait times that can come with external bank account transfers.

Early payday: Direct deposit users could get their paychecks up to 2 days early.

Key Features

  • Access to FDIC-insured banking accounts through Stride Bank
  • Direct deposit up to two days early
  • Deposit a check 24/7 with a mobile check deposit
  • Access 55,000+ ATMs worldwide
  • Instantly make deposits, withdrawals, or transfers to other Stash accounts
  • Fraud alerts & protection
  • Set up Goals (up to five)
  • Track your spending into categories
  • Instantly invest spare change (Stock-Back® Round-ups)
  • Spend insights & budgeting tools


You can choose which is right for you. Both plans offer access to the digital banking account.

  • Stash Growth: $3 monthly for advice, investing access, banking, and $1k insurance.
  • Stash+: $9 monthly for advice that includes family finances and market insights, investing access and custodial accounts, banking with 1% in stock on card purchases, and $10k insurance.


  • No overdraft fees
  • No minimum balance fees
  • No monthly maintenance fees
  • No set-up fees

Excluding the monthly subscription fee, other fees may apply, such as out-of-network ATM fees.

Pros and Cons


  • No account minimums are required
  • Simple monthly fee
  • Helpful automatic savings and investing feature
  • Stock-back rewards for purchases
  • Spending and expense tracker


  • No physical branch locations
  • Lack of personal and live customer service support

Who is it best for?

Stash digital banking accounts and debit cards are best for those who may not have an existing account with a credit union or bank. It can also be a secondary account for those who are already using Stash to invest in the stock market.

Stash Banking Review

Stash Banking Review

Stash Banking is a legitimate service. Its app is rated 4.7 out of 5 stars in the App Store with over 300,000 reviews; however, it has a bad rating on Trustpilot stemming from account opening requirements and confusion around monthly fees.

In our Stash Banking review, we learned how distinct the app is from its competitors by giving stock-back rewards for using the debit card for purchases. In fact, you can earn up to 3% back in stock every time you use the Stock-Back® debit card.

It’s important to understand Stash is not a bank and does not fall under current banking regulations. Stash has partnered with Stride Bank, member of FDIC, to federally insure your deposits.

Start banking with Stash.

How to Start a Stash Invest Account

Account Requirements

  • Must be at least 18 years old
  • Have a social security number
  • Verifiable personal information

Step-by-Step to Open a Stash Invest Account

The time needed: 3 minutes.

  1. Getting started
  2. Enter your information
    • Submit your personal information, such as name, email, and password.
  3. Fund your account
    • Transfer money or set up direct deposit.

Stash Banking Alternatives

You have options when it comes to digital banking apps. Some Stash alternatives include M1 Finance, SoFi Bank, and Acorns.

You can also find more banking options in the marketplace.

Stash Financial Products

Stash is a super app that offers the following:

  • Stash Invest: A robust app for investing in stocks, ETFs, and fractional shares.
  • Stash Banking: A digital banking account with no overdraft or minimum balance fees. Use the Stock-Back® Card to spend on well-known brands and get rewarded with a piece of matching stock.
  • Stash Retirement: Invest using a tax-advantaged account, including traditional and Roth IRAs, which are available.
  • Stash Custodial – invest in your child’s future with custodial accounts. Invest in fractional shares, individual stocks, and ETFs on your schedule. Teach your child about investing. Funds in custodial accounts can be used for college, apartments, cars, or any purpose.
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