Toast Checking Account Agreements

Toast is not a bank. Banking services provided by Thread Bank; Member FDIC. The Toast Checking Account Debit Mastercard is issued by Thread Bank pursuant to a license from Mastercard Inc. and may be used anywhere Mastercard is accepted.

The Toast Checking Account is a checkless bank account that does not issue any physical or digital checks.

Toast Checking Account Agreement:

  • If you opened your first Toast Checking Account before March 3, 2025, the latest version of your Agreement is here.  
  • If you opened your first Toast Checking Account after March 3, 2025, the latest version of your Agreement is here.

Toast Checking Debit Mastercard Agreement: