How do I cancel my Stash plan?

We’ll be sorry to see you go! You can cancel your Stash plan at any time in the app or online at Stash.com.

There may be tax implications when closing accounts. Consult a tax professional for answers to specific tax needs. If you have any unpaid fees, we will deduct them from your account balance before sending your funds.

This should not be construed as tax advice. Please consult a tax professional for additional questions.

To begin the process:

1. Make sure your external bank is linked. Help me link my external bank.

   • A bank transfer is the easiest and fastest way to receive your funds.

2. Wait for any recent deposits (Including Auto-Stash contributions) to be available to withdraw (up to 6 business days).

3. If you have earned any recent promotional funds, these may not be available for up to 90 days.

Once the above steps are completed, you can continue to close your accounts. Each account has different considerations.

When closing your Stash Banking account:

• If you have an external bank linked, we will send any remaining funds via a bank transfer.

• Without a bank link, your Stash Banking account balance will automatically be mailed to you via a physical check in 7-10 business days.

When closing investment account(s) (Personal, Smart, or Custodial):

• All of your investments will be sold. Proceeds will be returned to you through your externally linked bank account.

• If you don’t have an external bank account linked, you can contact us at [email protected] to have a refund check mailed to you for the remaining balance. It can take 7-10 business days to receive the check.

• If you’re closing a Custodial account, these funds will be returned to the bank account of the Custodian. These funds remain the property of the minor.

When closing your Retirement account (IRA):

• Investments: You do not need to manually sell your investments. When you request a full closure, the system will automatically sell your assets for you. (Note: If you attempt to withdraw more than 90% of your Managed IRA balance, the system will force a 100% withdrawal, which permanently closes the account).

• The IRA Distribution Form: Regardless of which IRA type you have, you must complete the in-app IRA Distribution Form to set your mandatory tax withholdings before the closure can process.

• Penalties & ACATs: If you’re closing your IRA early (before age 59 ½), you may receive fines or penalties from the IRS. You may be able to avoid some fines or penalties by transferring your portfolio directly to another broker, also known as an ACAT (Automated Customer Account Transfer). Learn more about ACATs here

Once the above steps are complete, continue with these steps to close your subscription and Stash account:

1. Click here to open the Canceling Your Plan screen.

2. Select Cancel my plan.

3. Follow the prompts to close your account.

What Happens Next?

Processing Time After you have completed all required steps, the closing process can take up to 10 business days. You will receive a confirmation email when all the steps are complete and your account is completely closed.

Tax Documents If you get a tax document, we will notify you via email, even after your subscription is closed. This email will include a link to access your tax documents on our website. You will simply log in with your same username and password.

Subscription Fee Refunds Stash will refund any and all prepaid portions of your annual Stash subscription fee in accordance with the terms of your Advisory Agreement.

Still Need Help? We can help! Please give us a call at 800-205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, or email us at [email protected].

Will I be refunded for my unused subscription fee if I cancel my Stash plan?

Stash will refund any and all prepaid portions of your annual Stash subscription fee in accordance with the terms of your Advisory Agreement.