What time does Cash App direct deposit hit? (2026 guide)
By WhenIsMyCheck Editorial Team • Last updated:
Answer: Cash App makes direct deposits available as soon as they are received — so the exact posting time can vary by employer/benefits payer and bank processing.
- If you’re paid on a fixed payday, it may post overnight or early morning — but there is no single “always” time.
- If it’s your first deposit with a payer, timing can be slower.
- If you still don’t see it, Cash App’s guidance commonly references allowing up to 1–5 business days from the scheduled arrival date, depending on circumstances.
This page is informational and not financial advice. We are not affiliated with Cash App or any government agency.
Why the time varies (even when your SSA date is “right”)
Your official SSA payment date is set by the SSA calendar and your payment group. But what you see in Cash App depends on when Cash App actually receives the ACH transfer from the payer (and how it’s processed).
- Payer timing: the payer can release files at different times.
- Weekends/holidays: ACH processing can be affected around non-business days.
- First deposit: first-time deposits may take longer to fully “settle.”
Time zone cheat sheet (for converting timestamps)
This is just a time conversion table. It does not guarantee when your deposit will post.
| Eastern (ET) | Central (CT) | Mountain (MT) | Pacific (PT) |
|---|---|---|---|
| 6:00 AM | 5:00 AM | 4:00 AM | 3:00 AM |
| 9:00 AM | 8:00 AM | 7:00 AM | 6:00 AM |
| 12:00 PM | 11:00 AM | 10:00 AM | 9:00 AM |
| 5:00 PM | 4:00 PM | 3:00 PM | 2:00 PM |
If your deposit is “late”: a practical checklist
- Confirm the official SSA date (weekends/holidays can shift it earlier). Use the calculator on the homepage.
- Give it a little time the morning of the scheduled date (processing isn’t a single exact minute).
- Check for common delay reasons: first deposit, payer file timing, non-business days.
- After a reasonable window, contact the payer (employer/SSA) and then Cash App support with the trace details if needed.