Deposits · August 2026
Cash App publishes savings rates and keeps its routing number private
An AI agent ran five ordinary deposits tasks on the public pages of Cash App and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
60/100
Mystery Agent score
Deposits · rank 13 of 25
Savings rate
90Served as text
Checking comparison
87Served as text
Fee schedule
90Served as text
Routing number
18Arrives after scripts
Application page
16Arrives after scripts
Summary
- Cash App states its savings rate, up to 3.25% interest, as plain text on both its homepage and its dedicated savings page.
- The Cash App Card and Green status comparison appears as a table in plain text, covering borrowing limits and overdraft coverage.
- An AI agent read a full card fee table in the card agreement page, naming each fee amount and its waiver condition.
- Publishing the routing and account number article as visible text would let a reader finish direct deposit setup without opening the app.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text90 out of 100
The homepage and the dedicated savings page both state the current savings rate as plain text, up to 3.25% interest, along with how a member reaches the higher tier.
Task 02Checking comparisonServed as text87 out of 100
A served comparison table sets the base Cash App Card account against Green status, showing a higher borrowing limit, wider overdraft coverage, and a higher savings rate for Green status members.
Task 03Fee scheduleServed as text90 out of 100
The card agreement page lays out a complete fee table in plain HTML text, naming every charge from ATM withdrawals to foreign transactions along with the exact conditions that waive each one.
Task 04Routing numberArrives after scripts18 out of 100
The terms of service reference a bank routing and account number for direct deposit without printing the digits, and the dedicated help article on the topic loads as an empty page.
Task 05Application pageArrives after scripts16 out of 100
The sign up and get started buttons on the homepage lead to a login page that serves only its title as visible text, with the account opening fields set to appear once scripts run.
The full card fee schedule is published as a readable HTML table inside the card agreement.
The application page
What the account opening page states to a reader that runs no scripts.
31,928Bytes delivered
39Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The savings rate and its tier mechanics are stated in plain HTML text on two separate pages (homepage and /savings), with no script dependency to reach the number.
- The full card fee schedule is published as a readable HTML table inside the card agreement, naming every fee amount and waiver condition in delivered text rather than behind a PDF or a script.
- The Cash App Card versus Green status comparison, and a separate Cash App versus competitor bank table, are both delivered as plain text tables, giving an agent a clean, citable comparison without extra parsing.
Opportunities
- Publishing the routing and account number article body as server rendered text, alongside the TOS mention, would let an agent complete a direct deposit setup task without needing the in-app view.
- Rendering the /login?su entry point with visible eligibility and requirement text before script execution would let an agent describe the account opening path accurately on the first fetch.
- Fixing the two sitemap URLs named in robots.txt (sitemap.xml, help-sitemap.xml), which currently return Page Not Found, would restore a fast, reliable discovery path for agents.
- Adding an llms.txt index would give agents a direct, text based map to the savings, banking, and legal pages that already carry strong delivered content.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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