Yes, you may be eligible for a Cash App fraud settlement payout check today, but eligibility depends on which of three active settlements applies to your situation. As of July 2026, three separate settlements are paying out: a $15 million Security Settlement for customers who experienced unauthorized access or fraudulent withdrawals, a $12.5 million Text Message Settlement exclusively for Washington residents who received unsolicited referral texts, and a $120 million CFPB Redress Fund that automatically pays eligible users without requiring a claim. Understanding which settlement covers your case is the first step to determining whether you’re owed compensation and how much.
Most Cash App customers don’t realize they may qualify for multiple settlements simultaneously. For example, a Washington-state user who received unwanted referral texts and also had an account frozen for 15 days could potentially receive payments from both the Text Message Settlement ($394.36) and the CFPB Redress Fund (amount varies), though the actual payout amounts depend on how many people qualify. The settlement landscape has shifted significantly since 2018, when the first security breaches began, and payouts are still processing through mid-2026.
Table of Contents
- Who Qualifies for the Cash App Security Settlement?
- Understanding Payout Amounts and Pro-Rata Reductions
- The Security Settlement Versus Text Message Settlement
- How to File a Claim and Check Eligibility Status
- Common Pitfalls and What Doesn’t Qualify
- CFPB Automatic Redress Payments and Block’s Obligations
- Claim Deadlines and Documentation Requirements
Who Qualifies for the Cash App Security Settlement?
The largest active settlement, the Security settlement with its $15 million fund, covers current and former Cash App customers whose personal information was accessed without authorization or who experienced unauthorized or fraudulent withdrawals between August 23, 2018, and August 20, 2024. You don’t need to have lost money to qualify—unauthorized access alone is sufficient for some claims, though the compensation is typically modest. If you discovered suspicious activity on your Cash App account during this period, even if you caught it before funds actually left, you may have a valid claim.
Documented out-of-pocket losses are compensated up to $2,500 under this settlement, but it’s important to understand that with millions of potential claimants, actual payouts average between $88 and $147 per person due to pro-rata distribution. This means if the $15 million fund receives claims totaling $300 million in losses, each claimant receives roughly 5 percent of their claimed amount. A customer who lost $1,000 to fraud would receive approximately $50, not the full amount. The settlement administrator will issue checks or electronic payments to approved claimants, and processing has been ongoing since 2024.
Understanding Payout Amounts and Pro-Rata Reductions
One critical limitation of the Security Settlement is that payouts shrink as more people file valid claims. When a settlement fund is fixed and claims exceed the available money, the law requires pro-rata distribution—meaning everyone receives an equal percentage of their claimed amount rather than some people getting full payment and others getting nothing. This is both fair and frustrating: if you filed a claim for $2,000 in losses and the pro-rata percentage is 15 percent, you receive $300 regardless of how legitimate your claim is.
The text Message Settlement operates differently and offers more certainty: approved claimants in Washington who received unwanted referral texts between November 14, 2019, and August 7, 2025, receive exactly $394.36 each. Payments began February 2, 2026, so if you’re eligible, you should check whether your payment has already been processed or is pending. The difference between receiving $394.36 versus an average of $88-$147 highlights why settlement type matters. However, this settlement is strictly limited to Washington state residents and excludes people in other states, even if they received identical unwanted texts.
The Security Settlement Versus Text Message Settlement
These two settlements operate independently and have completely different eligibility rules, payment structures, and filing deadlines. The Security Settlement is national and covers any customer harmed by unauthorized account access or fraudulent withdrawals—but payouts are reduced by pro-rata distribution, meaning your compensation depends on total claims filed. The Text Message Settlement is geographically restricted to Washington state but guarantees $394.36 to each approved claimant with no reduction, regardless of how many people qualify.
A customer in Seattle who received unwanted referral texts between November 2019 and August 2025 qualifies exclusively for the Text Message Settlement ($394.36 guaranteed), while a customer in Portland, Oregon, who received identical texts qualifies for neither settlement solely on the basis of geography. That same Portland customer could potentially qualify for the Security Settlement if they experienced unauthorized access or fraud during the specified dates, but the payout would be reduced pro-rata. This geographic split exists because the Text Message Settlement resolved a specific lawsuit (Bottoms v. Block) focused on Washington-state consumer protection laws, while the Security Settlement is a nationwide resolution.
How to File a Claim and Check Eligibility Status
Filing a claim for either the Security Settlement or Text Message Settlement requires visiting the official settlement websites, where you’ll provide documentation of your losses or proof of residency and text message receipt. For the Security Settlement, go to cashappsecuritysettlement.com and gather any evidence of fraudulent transactions—bank statements, Cash App screenshots, police reports if filed. You’ll need to provide the dates of unauthorized access, the amounts lost, and proof that you were a Cash App customer during the incident.
For the Text Message Settlement, eligible Washington residents should visit bottomstextsettlement.com and verify they received referral texts without advance consent. If you already received a $394.36 payment (payments began February 2, 2026), congratulations—your claim was approved. If you haven’t been paid and believe you’re eligible, check the settlement website for your claim status or deadlines for late claims. Be aware that some settlements have claim deadlines, and filing after the deadline often disqualifies you entirely, even if you’re otherwise eligible.
Common Pitfalls and What Doesn’t Qualify
One of the biggest mistakes claimants make is assuming that any Cash App loss qualifies for the settlements. These agreements cover only specific types of harm: unauthorized access and fraud, not personal negligence, lost funds due to your own mistake, scams you fell for, or disputes over legitimate transactions. If you gave someone your Cash App PIN voluntarily and they stole your money, that’s not fraud covered by the Security Settlement. If you sent money to a scammer, those settlements won’t compensate you.
Another trap is missing claim deadlines. While some settlements allow late claims, they often require additional documentation and approval, and courts frequently enforce absolute deadlines after which claims are barred forever. If you believe you were eligible for the Text Message Settlement but failed to file by the original deadline, contact the settlement administrator immediately—some courts grant extensions in rare cases, but silence guarantees you receive nothing. Additionally, if you received a settlement payment already, filing a duplicate claim for the same incident typically results in rejection or demand for repayment.
CFPB Automatic Redress Payments and Block’s Obligations
The $120 million CFPB Redress Fund stands apart because it requires no claim—eligible Cash App customers receive payments automatically. Block, Cash App’s parent company, must contact qualifying users directly; you don’t apply or submit documents. To qualify, you must have been a Cash App user as of July 1, 2019, and experienced one of three specific harms: a failed fraud investigation where Cash App didn’t adequately investigate your report, an improperly denied dispute over a transaction, or an account freeze lasting 14 or more days.
Unlike the Security Settlement, where you must prove you lost money and suffer pro-rata reduction, the CFPB Redress Fund calculations are individualized—each person’s payment depends on their specific case. Someone whose account was frozen for 45 days may receive more than someone whose account was frozen for 14 days. Block is required by law to identify and contact eligible customers, so if you meet the criteria and Cash App has your current contact information on file, you should receive notice and payment instructions. Check your email and any mail sent to the address Block has for you.
Claim Deadlines and Documentation Requirements
Settlement claim deadlines vary by fund and are strictly enforced by courts. For the Security Settlement, claim submission deadlines have passed for the first wave of claimants, but settlement administrators sometimes accept late claims at reduced benefit or with heightened scrutiny. The Text Message Settlement, resolved in 2025-2026, may still accept claims depending on the judge’s final order, but windows close faster than many people expect. If you believe you’re eligible for either settlement, do not wait—check the official settlement websites immediately for current deadlines.
Documentation requirements differ by settlement type. The Security Settlement requires evidence of the fraudulent transactions (screenshots, bank records, Cash App transaction history) and proof you were the account holder. The Text Message Settlement requires proof of Washington residency and evidence you received Cash App referral texts—many claimants satisfied this by providing their phone bill or carrier statements showing text messages from Cash App during the specified period. The CFPB Redress Fund requires no documentation from you; Block handles verification using internal records. Gather whatever evidence you have today, because waiting until the last day to collect screenshots or bank statements often results in missed deadlines.
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