Stash operates as a neobank in the United States, enabling customers to manage their Personal debit card accounts through its iPhone and Android mobile applications. Stash provides mobile account opening services to all U.S. residents who want to become new customers.

The TrustPilot user ratings for Stash stand at 2.8 from 3 reviews. Through its app Stash assists all types of users to develop their financial health.

Stash provides users with one single application containing banking services alongside investing opportunities and financial guidance. The company has assisted millions of Americans to achieve their financial targets using one single monthly payment.

Here’s how Stash works

Stash initiates an introduction process through several questions to learn about its new members. The questions help Stash determine your financial targets in order to offer appropriate and targeted recommendations about investing and money management.

Pick a plan

Users can select their monthly subscription starting from $3 per month after choosing their plan. 

An account at Stash includes your personal brokerage together with your retirement account and your Smart Portfolio. The Stock-Back Card functions as part of your subscription to earn stock through your purchases. The selection of plans allows you to access additional benefits which may include budgeting tools, educational resources and saving features.

Add money to Stash

You have two options to add money to Stash through automatic or manual processes. Stash requires 5 minutes to establish direct deposit which enables users to send their full or partial paychecks directly to their Stash account. With the service you can access your earnings two days before your regular paydate.

Budget, save, and create goals

The platform features automated budgeting features alongside saving capabilities which let you control your funds while monitoring expenses.

Invest your way

You’ve got options. Using the Stash platform you have access to fractional share investments that start at $5 and extend to thousands of stock and ETF options. You can build stock ownership through shopping using the Stock-Back® Card.

Stash operates for extended investing instead of day-trading and runs all market orders through four trading periods during weekdays. Trading windows operate based on market conditions but their availability might undergo certain restriction. The basics of using Stash for banking purposes function as follows.

The online banking system from Stash enables users to reach financial independence by managing their money wisely.

The stock-back® card

Shopping with the debit card at popular brands grants you stock pieces as part of the Stock-Back® Card program. Stock ownership holds more value than temporary points since stock has the potential to increase in worth.

No hidden fees

Priority is to let customers build their savings without facing any hidden fees therefore they do not apply fees to the account. The digital banking account comes without any fees including overdrafts, minimum balance requirements, monthly maintenance costs and setup charges. Customers accessing over 55k fee-free ATMs across the world can perform fast cash deposits without additional fees at participating retailers including CVS Pharmacy. Walgreens, and Walmart (limits may apply and funds become available within 10 minutes). (Limits may apply. The money becomes available to you within 10 minutes after deposit completion.

Instant transfers

The instant nature of Stash transfers between investment cash and banking funds eliminates the typical waiting delays that occur with external bank transfers. You will be able to execute money decisions more quickly.

Early payday

Direct deposit users receive their paychecks as much as two days in advance through this service. Stash enables users to set up direct deposit easily through a system that lets you start with percentage allocations of your paycheck before expanding them.

App-friendly features

The banking and investing app delivers several features which include mobile check deposit, debit card lock/unlock functionality, virtual card service, real-time transaction warning capabilities, automatic recurring payment features and dual Apple Pay and Google Pay digital wallet connectivity.

Stash enables one to control my budgeting and saving through its features.

The personal finance application Stash provides users with saving and investing and budgeting capabilities to enhance financial management capabilities.

Save for goals

The goals feature of the system enables users to allocate funds into specific purpose areas within their online banking accounts. Users can customize the feature to function as a budget tool which supports rent payments and bill expenses and grocery shopping and emergency savings and future travel funds. The app provides goal-setting features to let you determine specific dates and monetary targets which will generate automatic tracking reminders.

Stay on top of spending

Your spending activity gets instantaneous tracking and its data gets automatically sorted into sections such as ‘Food & Drink’ ‘Shopping’ and ‘Bills’. The service provides valuable explanations regarding your financial expenditures.

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