Why would Apple Cash stop accruing ?

Hello tmbissell,

Welcome to Apple Support Communities!

There are a few reasons why your Apple Cash account would stop tallying.

Below are steps for if your account is locked or restricted. Try the steps and see if they rectify the problem.

"To prevent fraud, ensure account security, and comply with regulations, your Apple Cash account may be restricted or locked. Your account may also be restricted if you dispute an unauthorized transaction with your bank and a chargeback is filed. Your account restriction or lock may be temporary until you verify your identity or while your account is under review, or you may need to contact Apple Support for next steps.

If your Apple Cash account requires identity verification

• On iPhone: Open the Wallet app, then tap your Apple Cash card.
• On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
• On Apple Watch: Open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.

Tap Verify Identity, then follow the onscreen steps. Make sure the personal information you enter during identity verification is accurate. Learn more about identity verification.

If your Apple Cash account is in review

If your account is restricted while under review, you can't send or receive money with Apple Cash, or add money to your account. If your account is locked while under review, you also can't transfer money to your bank or make purchases with Apple Pay.1

Reviews take up to 2 business days. When the review is complete your account will either be active, or there'll be a message on your Apple Cash card with your account status.

If your Apple Cash account is restricted

Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay. You can't send or receive money, or add money to your account.

If your account is restricted and there are no instructions provided, contact Apple Support.

If your Apple Cash account is locked

Your account may be locked if there's suspected fraud on the account, or if additional security checks need to be completed. If your account is locked, you can't use Apple Cash to make purchases, send or receive money, add money to your account, or transfer money to your bank.

If your account is locked and there are no instructions provided, contact Apple Support."

More information about Apple Cash being locked or restricted can be found here: If your Apple Cash account is restricted or locked

Thank you for using Apple Support Communities.

Take care!