Cash App Partners with Workday to Bring Direct Deposit to More Modern Earners
Key Takeaways
- •Cash App will appear as a direct deposit option within Workday's Enhanced Direct Deposit experience for eligible U.S. employees starting October 1.
- •The integration places the paycheck routing choice inside payroll software, eliminating the separate entry of bank account and routing numbers that direct deposit changes traditionally required.
- •Cash App's research indicates that only 65% of adult 'Modern Earners' — freelancers, side-hustlers, content creators, and gig workers — receive a traditional ACH direct deposit into any bank account.
- •Cash App reported 9.4 million Primary Banking Actives in Q2 2026, a 17% increase year over year, reflecting growing use of the app as a primary banking platform.
- •The announcement did not detail the eligibility criteria for the integration, leaving the initial scope of the rollout unclear ahead of the October 1 launch.

Cash App announced a new partnership with Workday that will make it easier for eligible employees in the United States to select Cash App as their direct deposit destination through Workday's Enhanced Direct Deposit experience.
Beginning October 1, Cash App will appear as a direct deposit option within Workday's enhanced direct deposit election experience, enabling employees to quickly and securely route their paychecks into Cash App. That placement matters because direct deposit changes have traditionally required employees to supply bank account and routing details through separate steps; embedding the election inside payroll software puts the choice where pay is already administered. Workday, which provides enterprise cloud applications for human resources and finance, supports millions of employees across the U.S., giving Cash App an opportunity to reach customers at one of the most important moments in their financial lives: when and how they get paid.
"Employees increasingly expect their financial solutions to be simple, accessible, and integrated into their everyday lives," said Meraj Mohammad, senior director of strategic partnerships at Workday. "Through Workday's Enhanced Direct Deposit experience, we make direct deposit updates more seamless while giving employees more choice in where they receive their pay."
The integration is aimed in part at workers Cash App describes as "Modern Earners" — freelancers, side-hustlers, content creators, and gig workers. According to Cash App's Modern Earner research, only 65% of adult Modern Earners nationally receive a traditional ACH direct deposit into any bank account, a figure that underscores how many people are managing income across multiple sources and platforms. By making it easier to route paycheck deposits into Cash App, the Workday integration is designed to help Modern Earners manage their income streams in one place.
"Direct deposit is one of the clearest signals that customers see Cash App as more than a place to send and receive money," said Morgan Kuntze, Global Head of Partnerships at Block, the financial technology company formerly known as Square. "By partnering with Workday, we're making it easier for more people to bring their paycheck into Cash App and unlock tools that help them manage, save, spend, and access their money."
The announcement builds on Cash App's ongoing investment in banking products designed around how people earn and manage money today. The company has continued to see strong engagement from customers who use the app as their primary banking platform. In Q2 2026, Cash App had 9.4 million Primary Banking Actives, up 17% year over year. That figure carries weight in an industry where paycheck deposits are often central to how a banking relationship becomes primary, since recurring income shapes where day-to-day saving and spending take place.
The Workday integration marks another step in Cash App's strategy to position itself as the money app for modern earners. The experience is set to go live on October 1, and while the announcement refers to eligible U.S. employees, it does not detail the eligibility criteria — leaving the initial scope of the rollout an open question as launch approaches.