Stash: who holds your money
Stash is not a bank. Stash says customer money is held at Stride Bank, National Association, with insurance reaching customers as pass-through FDIC insurance at the partner bank, subject to the app's recordkeeping. We read this information in the app's own public disclosure on September 5, 2026, and this page quotes that disclosure below. You can check each partner bank's own page on this site.
Stash is not a chartered bank, so customer money physically sits at Stride Bank, National Association, which this site grades letter B. As of September 5, 2026, Stash’s disclosure identified that bank as the institution holding customer deposits. Federal deposit insurance can pass through from the partner bank to each customer, provided Stash’s records identify each customer. The stated limit is $250,000 per depositor, per insured bank, for each account ownership category.
Partner banks
- Stride Bank, National AssociationFDIC #4091 · program bank6.2%above the insured limitB76.6
The figure is the share of total bank deposits above the $250,000 federal insurance limit, reported quarterly to the FDIC. High shares are normal for banks holding large app program balances. They do not mean your balance is uninsured: pass-through insurance usually covers customers individually at the partner bank. Across US banks in 2022 to 2026, those above roughly 36% saw large quarterly total deposit declines more often than those below. Most banks above that level saw no such fall. This measures deposit movement and does not predict trouble for any bank.
Disclosure
Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International.
www.stash.com · as of September 5, 2026
Disclosure names the bank but not the insurance mechanism; classified pass-through because the account is opened through the app, not directly with the bank.