Stash offers two billing plans: monthly or yearly. After you complete your free trial, we will automatically bill you every one-month or one-year anniversary on the day that you signed up for your account.
For example, if you sign up for Stash on April 9th, you’ll be billed every month on the 9th (monthly billing), or every year on April 9th (yearly). Your subscription is automatically renewed unless you cancel or change it, which you can do at any time.
If there are no promotional funds on your account, your first subscription payment is charged right after you link your payment method (debit card or external bank account). Follow these steps to check on the date of your next billing:
On the app
Login to the Stash app.
Tap your initials or profile photo (iOS) or hamburger icon (Android) in the upper-left corner.
Tap Manage plan to view your billing frequency and next payment date.
If you joined Stash recently, we may not refund any prepaid portion of the Stash Fee for the monthly billing period in which your Stash Account is closed. In such cases, you will retain access to Stash which includes the Financial Counseling Service (without the power to open a Personal Portfolio, Custodial Account, and/ or IRA, as applicable) through the end of the monthly billing period in which your account is closed. If applicable, please review the Advisory Agreement (Beta Group). ¹
DISCLOSURES
¹Clients prepay the Stash Fee for a bundle of advisory services, which are provided by Stash upfront. Clients may continue to receive access to the Platform and certain advisory services under the Program even without opening a Stash Account or after a Stash Account has been closed. In the event of the closure of your Stash Account and/or cancellation of your Platform Tier Service, Stash will not refund any prepaid portion of the Stash Fee for the monthly billing period in which your Stash Account is closed and/or Platform Tier Service is canceled. In such case, Stash will continue to provide you with the Financial Counseling Service and you will retain access to the Platform and/or Program (without the power to open an Individual Account or otherwise effect brokerage transactions, as applicable) through the end of the monthly billing period in which your Stash Account is closed and/or Platform Tier Service is canceled.
If you pay your Stash Fee in advance annually, and you decide to either downgrade your subscription from Stash+ to Growth or modify your billing frequency from annual to monthly, then Stash will provide fee credits to your Stash Account in an amount that reflects the remaining prepaid portions of your Stash Fee for the remaining months in your annual billing period. If you cancel your subscription, then we will refund the prepaid portions of the Stash Fee for the remaining months in your annual billing period including any remaining fee credits, with the exception of the monthly billing period in which your Subscription is canceled.
After you complete your free trial, we will automatically bill you every one-month or one-year anniversary on the day that you signed up for your account. For example, if you sign up for Stash
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.
When you cash out all or part of your Stash, the transaction is sent to your bank immediately. However, the money may take up 7 working days (usually a lot quicker than that) to reflect in your bank account. This is something that we do not have control over as the different banks have their own processing rules.
What are Stash's plan fees? We've got two separate plans, each with their own fee, and you can choose to pay monthly or yearly. Stash Growth: $3/month or $32/year Stash+ is $9/month or $97/year You can check out what's included in each plan here We collect this subscription fee once a month,…
Unlike other investment apps, we don't have banking overdraft charges 2 or add-on transaction fees†—just a flat monthly subscription ($3 or $9 per month) for access to all your money needs.
Stash is fairly low-cost with a transparent fee structure. It's also a great option for folks looking for banking and investing in one location. If you want a wide variety of asset options (such as bonds, mutual funds, or options trading), then Stash won't be the right platform.
It can take up to five business days for money to move from your external bank account into your Stash banking account. The amount transferred is immediately shown as Pending in your Stash banking account transactions.
After you complete your free trial, we will automatically bill you every one-month or one-year anniversary on the day that you signed up for your account. For example, if you sign up for Stash on April 9th, you'll be billed every month on the 9th (monthly billing), or every year on April 9th (yearly).
Stash will pay the referring party for referral services provided by the referring party up to $30 for each Prospective Client who opens, links a bank to, and/or deposits funds into a Qualifying Account.
With the Stash Growth plan, you can earn 0.125% Stock-Back®, and the Stash+ plan pays 1% Stock-Back® on the first $1,000 you spend monthly. Both plans offer bonuses of up to 2% and 3%, respectively, at certain merchants. These Stock-Back® rewards actually give you shares of stocks at the companies you shop at.
If you're looking for a basic portfolio with some key features, including retirement accounts, at low cost, then Acorns might be a better pick. But if you're looking for more investing features, including access to research, and don't mind paying more for its premium tier, then Stash may be the better fit for you.
While Stash can be useful for amateur investors who want to have a debit card, a traditional or Roth IRA and a bank and brokerage account all within one app, that access comes at an expense — the annual fee is $36 for the lowest tier of services, while it's $108 for the premium-level tier.
All Stash accounts are held by our trusted partner and custodian Apex Clearing, a registered broker-dealer regulated by FINRA. At Apex, your investments are protected up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investor Protection Corporation (SIPC).
When you close your Personal brokerage account, all of your investments will be sold. Proceeds will be returned to you through your external linked account. We recommend transferring your Stash banking account balance to your external bank account before cancel your plan.
To protect you from fraud, we hold all transfers from an external bank account to your Stash banking account for a period of up to five business days. Once this holding period is over, your money will be available for use.
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.
Standard transfers are processed by ACH (Automated Clearing House). These transfers are available at no additional fee, but may take 1–3 days to reach your external bank. Instant transfers are processed through a different network that allows for faster transfers, typically within 10 minutes.
You can easily set up direct deposit into your Stash banking account from the app or the web. And with Stash's Early Direct Deposit, you can get your paycheck in your account up to two days early!
Instant debit withdrawals allow you to withdraw up to $1,000 from your Stash banking account to a linked external debit card for a 1% fee. The transfer should only take a few minutes to complete.
**Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior.
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