Shop like an investor.

Do debit differently—earn up to 5% back in stock every time you spend with the Stock-Back® Rewards Card.1

Shop at Walmart, McDonald’s, Amazon, Taco Bell, Starbucks, Nike, AT&T, Costco, Netflix, BP, CVS, Dominos, Apple.

Earn AAPL, DPZ, CVS, BP, NFLX, COST, T, NKE, SBUX, YUM, AMZN, MCD, WMT stock.

Shop at Walmart, McDonald’s, Amazon, Taco Bell, Starbucks, Nike, AT&T, Costco, Netflix, BP, CVS, Dominos, Apple.

Earn AAPL, DPZ, CVS, BP, NFLX, COST, T, NKE, SBUX, YUM, AMZN, MCD, WMT stock.

Rethink what a debit card can do.

Buy from well-known brands and automatically receive a piece of stock in that company. Or, get rewarded with a default investment that you choose when you shop local or at privately owned companies.1

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From shopper to shareholder.

Become part owner in well-known brands.

Invest as you spend.

Get up to 5% stock back.1

Reward your routine.

Diversify your portfolio through everyday purchases.

Over 94M pieces of stock rewarded.

(as of 4/22/2025)

Why bank with Stash?

No hidden fees.

We can help you build wealth with no overdraft or minimum balance fees.2

Stay secure.

Lock and unlock your Stock-Back® Card with a single tap.

Access cash from anywhere.

Find thousands of fee-free ATMs with your Stock-Back® Card.2

Shop it. Tap it. Earn it.

Pay on the go when you add the Stock-Back® Card to your digital wallet.

Grow wealth automatically.

Use recurring transfers to invest on the regular.

Take control.

Track your spending with Stash’s money management tools.

Getting started is easy.

First, sign up for Stash—plans start at $3. Then you are ready to earn stock once you receive your card and deposit at least $1 in your Stash banking account.

Frequently asked questions

How does banking with Stash work?

Your online banking account with Stash is designed to help you achieve greater financial freedom through smart money management.

The Stock-Back® Card.1

Use our debit card to shop at well-known brands, and we’ll reward you with pieces of matching stock. Instead of points that might expire, we want to give you stock that can actually grow in value over time.

No hidden fees.2

We want you to save and grow your money, not worry about hidden fees—so we don’t charge any. The digital banking account has no overdraft fees, no minimum balance fees, no monthly maintenance fees, and no set-up fees. You also have access to over 55k fee-free ATMs worldwide, as well as fast cash deposits with no extra fee at participating retailers like CVS Pharmacy, Walgreens, and Walmart. (Limits may apply. Money should be available about 10 minutes after you complete deposit.)

Instant transfers.6

Transfers within Stash between your investment portfolio cash and your Stash banking account are instant, eliminating the wait times that can come with external bank account transfers. So you can make your money moves—faster.

Early payday.3

Direct deposit users could get their paychecks up to 2 days early. It’s incredibly easy to set up direct deposit with Stash—you can even start by allocating a percentage of your paycheck to Stash and increasing from there.

App-friendly features.

Our banking and investing app features include: mobile check deposit, debit card lock and unlock, virtual card, real-time transaction alerts, recurring transfers, and digital wallet compatibility for both Apple Pay and Google Pay.

What is Stash?

Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.

Does Stash have ATM access?

Absolutely! Stash has over 55k fee-free ATMs.2 Click here to find one near you.

How much does the Stock-Back® Rewards Card cost?

The cost of the Stock-Back® Card1 is included in your subscription fee. Stash offers one plan, The Stash Plan, for $12/month. It includes a personal investment account, a Stock-Back® Card that earns 1% back in stock on every swipe,1 investment accounts for kids, a Roth IRA or Traditional IRA retirement account,4 an automated investing account (Smart Portfolio),7 personalized advice, an exclusive monthly market insights report, budgeting tools, and $10,000 of life insurance coverage through Avibra.‡ Pricing is subject to change.

What purchases qualify for stock rewards?

For the most part, your regular purchases—including gas, groceries, travel, and dining—will earn you stock. Non-qualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders. For a full list and more details, see the Terms and Conditions.1

How much stock will I earn?

With The Stash Plan, you’ll get 1% back in stock on all purchases up to $1,000 each month. After you spend $1,000, you’ll earn 0.125% back in stock on every swipe. You’ll also receive up to 3% back in stock at certain merchants with bonuses. For a full list and more details, see the Terms and Conditions.