Cash Out Bank & Card FAQ

This FAQ covers how to connect your bank, add or change your debit card, and troubleshoot common bank and card issues when using Cash Out.

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How do I connect my bank account for Cash Out?

To use Cash Out, you need to connect an eligible checking account in the Homebase app.

To connect your bank account:

1. Open the Homebase app.
2. Tap Money.
3. Tap the Cash Out tile.
4. Follow the prompts to select your bank.
5. Sign in to your bank through the secure connection flow.
6. Choose the checking account you want to use for Cash Out.

Once connected:

• Cash Out will send your Cash Out deposits to this checking account.
• Cash Out will debit your repayment from the same account on your repayment date.

Cash Out works only with checking accounts. Savings accounts, most prepaid accounts, and some specialty accounts are not supported.

If your bank account doesn’t connect, see My bank doesn’t show up when I try to set up Cash Out. What should I do? and Why can’t I sign in to my bank for Cash Out? below. If your bank is connected but not eligible, see the Cash Out Eligibility FAQ.

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My bank doesn’t show up when I try to set up Cash Out. What should I do?

If you don’t see your bank listed when you try to connect it for Cash Out:

• Make sure you’re using the latest version of the Homebase app.
• On the bank selection screen, use the search bar to type your bank’s full name.
• Try common variations (for example, “Chase,” “JPMorgan Chase,” or your credit union’s full name).

If your bank still doesn’t appear:

• It may not be supported for Cash Out right now.
• You’ll need to connect a different checking account at a supported bank to use Cash Out.

If you don’t have another bank account you can use:

• You won’t be able to use Cash Out with your current bank setup.
• You can still use the Homebase app for scheduling and time tracking, but Cash Out will remain unavailable until a supported bank account is connected.

For all other eligibility questions, see the Cash Out Eligibility FAQ.

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Why can’t I sign in to my bank for Cash Out?

If your bank appears in the list but you can’t sign in or finish connecting it, it’s usually due to:

• Incorrect username or password
• A required security step (MFA) you didn’t complete
• Temporary bank website or connection issues
• Your bank blocking the sign-in for security reasons

Try these steps:

• Make sure you can sign in to your bank directly on their website or app outside of Homebase.
• If you recently changed your bank password, sign in directly to confirm it works, then try connecting again in Homebase.
• When prompted for security codes or challenges, complete each step and don’t close the app until the connection finishes.
• If you see a message like “We couldn’t connect to your bank right now,” wait a few minutes and try again—your bank may be having temporary issues.

If you continue to see the same error:

• Contact your bank and ask if they are blocking third-party connections for security reasons.
• If they confirm they do not support these connections, you may need to use a different checking account that allows Cash Out connections.
• For persistent errors, you can also contact support with a screenshot of the message you’re seeing.

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What kind of debit card do I need for Cash Out?

A debit card is used for Instant delivery and for manual early repayments.

To work with Cash Out, your debit card should:

• Be a debit card linked to the same checking account you use for Cash Out.
  The debit card must match the checking account you connected via Plaid (for example, the card for that account at your bank).
• Be issued by a major U.S. bank or credit union.
• Be active and in good standing (not expired, locked, or reported lost/stolen).

In most cases, the following do not work with Cash Out:

• Credit cards
• Most gift cards or reloadable prepaid cards
• Some cash-app or digital-wallet cards that don’t link directly to a checking account

If you try to add a card that isn’t supported, you may see an “unsupported card” or “card not eligible” message in the app.

For help adding your card, see How do I add a debit card for Cash Out, and how long does verification take? below.

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How do I add a debit card for Cash Out, and how long does verification take?

Adding a debit card is recommended to enable Instant delivery and early manual repayments.

To add a debit card:

1. Open the Homebase app.
2. Tap Money → Cash Out.
3. Tap the gear icon (Settings).
4. Select Add debit card.
5. Enter your debit card details and submit.
6. Complete any verification steps if prompted.

After you add your card:

• Most cards are verified within a few minutes.
• In some cases, you may see a small test authorization on your bank statement that will disappear.
• Once your card is verified, you can choose Instant as a delivery option when you request Cash Out.

If your card remains “Pending” or shows an error, see Why was my debit card declined, removed, or marked as unsupported for Cash Out? below.

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How do I change the debit card I use for Cash Out?

You can change which debit card you use for Cash Out in your Cash Out Settings.

To change your debit card:

1. Open the Homebase app.
2. Tap Money → Cash Out.
3. Tap the gear icon (Settings).
4. Select your current debit card.
5. Tap Remove card or Change card (depending on what you see).
6. Add your new debit card details and complete any verification steps.

Important:

• You may not be able to change your debit card while you have a Cash Out that is still pending or processing.
• If you see a message that you can’t change your card right now, wait until your current Cash Out has completed delivery and any related repayments are done.
• Your new debit card should still be linked to the same checking account you use for Cash Out; using a card tied to a different account can cause errors or failed repayments.

If your new card won’t verify or you see an error, see Why was my debit card declined, removed, or marked as unsupported for Cash Out? below.

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Why was my debit card declined, removed, or marked as unsupported for Cash Out?

If your debit card is declined, removed, or marked as unsupported, it usually means one of the following:

• The card is expired, not yet activated, or recently reported lost or stolen.
• The card is a credit card, prepaid card, gift card, or other card type that Cash Out doesn’t support.
• Your bank is blocking transactions from this card for security reasons.
• There was a verification failure when Homebase tried to confirm your card.
• The card is not linked to the same checking account you connected for Cash Out.

To fix this:

• Check the card in your bank’s app or website to make sure it’s active and not expired.
• Confirm that it is a debit card linked to your Cash Out checking account, not a credit, gift, or prepaid card.
• Try removing and re-adding the card in Money → Cash Out → Settings.
• If you see a specific error message (for example, “unsupported card” or “card not eligible”), try adding a different debit card from a major bank.

If your card keeps failing and you don’t have another card to use:

• You can still use Standard delivery for Cash Out as long as your bank account is connected.
• You won’t be able to use Instant delivery or some early repayment options without a supported debit card.

If the card looks fine in your bank app and still fails in Cash Out, contact support for help. Include a screenshot of any error message you see.

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Can I use different cards for Cash Out and for repayment?

In most cases, your connected bank account is used for both:

• Receiving your Cash Out, and
• Automatic repayment on your repayment date.

Your debit card is usually used for:

• Instant delivery of your Cash Out, and
• Manual early repayments, if available in your app.

Depending on your setup:

• You may use Standard delivery and have repayment come from your connected checking account, without using a debit card at all.
• You may be able to make a manual repayment with a debit card that is linked to the same checking account you use for Cash Out.
• Your automatic scheduled repayment will still use the bank account or matching debit card for that same account; you can’t route repayment through an unrelated card or bank.

To see which payment methods are available:

1. Open Homebase → Money → Cash Out.
2. Tap your Cash Out Settings.
3. Review your connected bank account and saved debit cards.

For full details on how repayment works, see the Cash Out Repayment FAQ.

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What should I do if I changed banks and my Cash Out isn’t working anymore?

If you recently changed banks or closed the account you used for Cash Out, you’ll need to update your bank details in the Homebase app.

Here’s what to do:

1. Confirm whether you have any outstanding Cash Outs or pending repayments linked to your old bank account.
2. If possible, keep your old bank account open until all Cash Out repayments have been completed.
3. In the Homebase app, go to Money → Cash Out → Settings.
4. Connect your new checking account by selecting your new bank and signing in.
5. Add the debit card associated with your new checking account if you want to keep using Instant delivery or early repayments.
6. If prompted, remove the old bank account once you’re sure there are no remaining repayments tied to it.

Important:

• If your old bank account was closed before repayment, Cash Out may fail to collect your repayment on the scheduled date.
• If a repayment fails because the old account is closed, you may see ineligibility messages or a reduced limit until the repayment is resolved.

If your Cash Out stopped working after you changed banks:

• Make sure your new checking account is fully connected and active.
• Check your Cash Out history under Money → Cash Out → Recent Activity for any failed repayments.
• If you see errors or unclear messages, contact support so they can review your account and help you get back on track.

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Can I use my Discover debit card to receive a Cash Out advance?

Yes, Discover debit cards are eligible to receive Cash Out advances. The complete list of eligible card types

• Visa
• Mastercard
• Discover