The short answer
STASH FINANCIAL is a monthly subscription fee ($3.00/mo for Stash Growth or $9.00/mo for Stash+) or automated investment deposit from Stash, a micro-investing platform that offers fractional share trading, automated portfolio building, and Stock-Back debit card rewards.
Check this first
Stash Financial, Inc. is an SEC-registered financial technology company providing fractional-share stock investing, automated Smart Portfolios, custodial accounts, and banking services via Stride Bank. When subscription fees or deposits execute, statements record STASH FINANCIAL, STASH INVEST, or STASH CAPITAL.
Stash charges a mandatory monthly subscription fee regardless of account size or investment activity. The entry-level Stash Growth tier costs $3.00 per month and includes personal investing and banking. The Stash+ tier costs $9.00 per month and adds two custodial accounts for children, higher Stock-Back card rewards, and term life insurance coverage.
In addition to monthly subscription charges, Stash executes automated ACH deposits when users configure Auto-Stash features (such as Set Schedule recurring investments or Smart-Stash algorithms that transfer surplus cash from checking into investments).
If you authorized the subscription
- A monthly $3.00 or $9.00 subscription plan fee billed to your linked payment card or bank account.
- An Auto-Stash recurring deposit drafted to buy fractional shares of stocks or ETFs.
- A one-time deposit initiated to fund your Stash banking or brokerage balance.
- A custodial account contribution for your children under a Stash+ plan.
If you did not authorize the subscription
- Open the Stash app and tap your profile avatar Navigate to Subscription to review your current plan level, billing method, and next monthly payment date.
- Pause Auto-Stash automated transfers Go to Invest > Auto-Stash and turn off recurring deposit schedules to stop automatic checking withdrawals.
- Cancel Stash subscription and close the account Under Settings > Subscription, select Close My Account. Stash will sell your fractional shares and transfer the cash balance to your bank.
Common questions about Stash
Why does Stash charge a fee even if I have $0 invested?
Stash charges a flat subscription fee ($3/mo or $9/mo) for maintaining your platform membership, access to financial education, and custodial features, regardless of your balance.
How long does it take to get money back when closing Stash?
Selling investment holdings takes 2 business days for market settlement, and the subsequent ACH transfer to your bank takes 3 to 5 business days.
Independent reference — not affiliated with Stash Financial, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Stash - Subscription Plans and Advisory Fee Disclosures https://www.stash.com/pricing
- SEC - Stash Investments LLC Form ADV Part 2A Brochure https://adviserinfo.sec.gov/firm/summary/283259
Reviewed Sep 26, 2026 · high · About UnknownCharges