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You most certainly can use cash app. Cash app is connected to a bank. This is how people are able to get direct deposit from their jobs. Having cash app is one of the closest ways to have a bank account without actually having one. Your social security number is involved to prevent fraud and also becauase they do direct deposit. You need a bank for that. Theirs is Lincoln Savings Bank . I dont know what half of these people are saying. @Opus 17 looks like he tried his best to help he wasn't wrong but he has no idea you mean the app CASH APP and not just any cash app and @SForrestLO just said no flat out. You are also incorrect. Its like they have no Idea what cash app is. So why answer question. Cant direct deposit without a bank. Put it this way. If your job can deposit money into your cash app account, so can the IRS