Cash App offers users free money services, such as a virtual Visa debit card within minutes and a physical card within about a week. Users can send and receive up to $1,000 within seven days and request a free debit card to make deposits. Cash App allows users to send and receive money online and is free to download. The app also lets users invest in stocks commission-free with as little as $1. It also lets users send and receive money from their bank accounts.

Despite Square's lack of a bank charter, the company works with financial institutions to build features such as a direct deposit. The app offers a new account number and routing number through its partnership with Lincoln Savings Bank. Partnerships between FinTech companies and FDIC-insured banks are common. A cash app with a direct deposit feature may be the perfect option for those who don't have a traditional bank account or want to save money.

If you don't mind using your debit card, you can also set up a Cash App direct deposit for free to get more money. Cash App offers free money for new users if they sign up using a friend's invitation link. Cash App's referral program will give you a free $15 bonus each time a friend deposits money in their account. You can even earn another $20 if you refer a new friend to the service.