Stash: who holds your money

Stash's disclosure, read on September 5, 2026, describes FDIC pass-through coverage, deposit insurance through partner banks. Coverage depends on customer identification and recordkeeping. It protects eligible deposits when a partner bank closes, not the app company itself. An app closure does not trigger that protection. The visible disclosure and notes provide the programme’s specific conditions.

Current commentary

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.