A Review of Stash Banking
December 1st, 2025 – Stevin Lipp
With a Stock-Back card, custodial accounts, IRA accounts, Stash Banking has created a unique way to go about digital banking.
Stash is similar to Robinhood & Acorns in that they have created an extremely beginner friendly way to get involved in the stock market. Their Stock-Back® card allows you automatically round up spare change & invest in the companies you are swiping your debit card at. Stash Bank took it all a little further by combining the brokerage services with banking services and offering optional advisory services on top of it all as well. With their “Smart Portfolio” setting, they will automatically tailor a portfolio of over 40 stocks & bonds according to your risk tolerance.
Stash has two account options depending on your goals.
Growth Account
$3/Mo.
Investment features
- Personal investment account
- Retirement account
- Crypto (1% trading fee)
Banking features
- Get the Stock-Back® card
- Get paid up to 2 days early on direct deposits
- 2% stock back on select streaming services and 0.125% stock back on all other purchases
- Free financial education
Stash+ Account
$9/Mo.
Investment features
- Personal investment account
- Retirement account
- Crypto (1% trading fee)
- Investment accounts for 2 kids
- Monthly market insights reports
Banking features
- Get the Stock-Back® card
- Get paid up to 2 days early on direct deposits
- 2% stock back on select streaming services and 1% stock back on all other purchases
- Free financial education
Pros
- Simple banking solutions
- Automated investing options
- The Stock-Back® Card automatically invests in the companies you are spending money with
- Custodial Account option makes saving for children easier
- Easy Roth & Traditional IRA setup
Cons
- No free banking accounts ($3-9/ Mo.)
- No physical branches
- No ATMs without fees