Skip to main content
Get a Free Demo

Toast Checking Account: FAQs

These FAQs apply only to certain eligible Toast customers. Please note — Toast Checking is currently in limited release with a select number of Toast customers and may not be available to you if you accessed this page from outside of your Toast Web backend.

Table of Contents


Additional Resources


Account Agreements

1. Applying for Toast Checking

Who issues the Toast Checking account?
The Toast Checking Account is issued by Thread Bank, Member FDIC.
Does opening a Toast Checking account affect my credit score?
Opening an account will not affect your credit score.
I already have a business bank account. Do I have to close that bank account to use Toast Checking?
No, you don’t have to close your existing bank account, but you may wish to keep it open only for cash and check cashing needs while using Toast Checking for optimizing your return on funds used for budgeting, saving and transacting.
Why does the Toast Checking application ask about the ownership and/or management of my business?
Gathering this information is required by law before a new account can be created. During the application process you will be asked some details about individuals involved who own or have significant responsibility to control, manage, or direct your business.
Who can access Toast Checking accounts? Can I have multiple authorized users?
Co-owners can access the account. Limited access for authorized users will be available in the future. Co-owners can be added to access the account after the application process by reaching out to us at toastchecking@toasttab.com.
Can I add beneficiaries to a Toast Checking account?
Not at this time. You will be notified when this update occurs.
Back to top

2. FDIC Insurance for Toast Checking Accounts

What is FDIC Insurance?
FDIC insurance is a form of insurance provided by the Federal Deposit Insurance Corporation (FDIC) that protects depositors from loss in the event that an FDIC insured depository institution fails. Please review the FDIC Deposit Insurance website for additional information.
How much FDIC insurance coverage do funds on deposit in my Toast Checking accounts qualify for?
Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure and a list of program banks at https://thread.bank/program-banks. Please contact customerservice@thread.bank with questions regarding the sweep program.
For more information about the program see the Thread Sweep Disclosure.
Where can I see a list of the program banks participating in the network?
FDIC insured IND Program Banks as of September 2024 are listed here.
Can I opt out of a Program Bank?
Yes. To opt out please contact us at customerservice@thread.bank.
Back to top

3. Fund Your Toast Checking Accounts and Move Money

How do I fund a Toast Checking account?
You can fund your account by transferring funds from an external account into your new Toast Checking account using wire transfers or ACH. You may also fund your account painlessly through Auto Savings, which allows you to designate a percentage of your daily card sales to be automatically deposited to your Toast Checking account.
What happens if I don’t fund my Toast Checking account?
If you don’t move funds into your Toast Checking account after 12 months, we will close your Toast Checking account.
Can I open a Toast Checking account and fund it later?
Yes. You may fund your account at a later time.
Will my existing bank account on file with Toast Inc. be connected to my Toast Checking account?
No, this will not happen automatically, but you may connect it at your discretion.
How do I connect an external bank account to my Toast Checking account?
Link your existing bank accounts just by logging in. It’s fast and easy. We work with Plaid to verify account information when linking a new bank account to your Toast Checking account. In order for us to verify account ownership and proper use of the account being linked, you will be asked to log into your external bank account through Plaid which keeps all of your bank account information completely secure.
Can I set up recurring transfers with Toast Checking?
No, Toast Checking doesn’t currently support recurring transfers other than Auto Savings. But if you wish to move funds into a Toast Checking account on a recurring basis from an external account, go to that external account and see if they allow for recurring transfers. This will “push” funds over to a Toast Checking account on a recurring basis per the schedule you set.
Is there a limit to the number of transfers I can make to and from a Toast Checking account?
There are no limits based upon the number of transfers you make, but there are total daily and monthly dollar limits that apply. Please see details in the Money Movement table below.
What is Auto Savings for Toast Checking and how do I set it up and change the percentage?
Auto Savings is a feature that lets you set a percentage of your daily card sales (credit, debit and gift card sales) to automatically divert and deposit into your Toast Checking account or Jar. It’s a simple and powerful way to quickly build your balance. Note that Auto Savings percentages are applied after any other scheduled debits (card processing fees, Easy Pay repayments, Toast Capital Loan repayments, etc.).
You can set and change the Auto Savings percentage with the following steps:
  1. On your Toast Checking dashboard, locate the Toast Checking account or Jar that you want to set up or update Auto Savings for.
  2. Click on the three dots ( ⋮ ) to open up account info and settings
  3. Under Auto Savings, select the Pencil Icon.
  4. Select a desired percentage of daily sales you would like to have automatically deposited into your Toast Checking account.
It may take up to a business day for Auto Savings to start working depending on your business’ payment capture and daily deposit settings. This percentage is applied across all Toast locations associated with your business.
I own multiple business locations. Can I designate which businesses are participating in Auto Savings with Toast Checking?
No. Auto Savings is turned on at the business level, meaning the % of daily card sales you divert to your Toast Checking account or Jar will be applied to your total daily card sales for all your businesses that share the same legal entity combined.
Can processing fees or the usage of other Toast financial products impact Auto Savings for Toast Checking?
Yes. The daily Auto Savings deposit to your Toast Checking account or Jar is calculated AFTER other authorized deductions are made (including Instant Deposits, Easy Pay, Toast Capital Loans, and processing fees). Once these other obligations are met, Auto Savings kicks in and is calculated on every individual sale, not on the total of your sales. Due to rounding, the exact amount of your total Auto Savings deposit may be slightly different than the percentage you set.
How do outbound wire transfers from a Toast Checking account work?
Outbound wire transfers must be initiated from your Toast Checking dashboard by clicking on the “Wire transfer” button. Accuracy of information is crucial. Inaccurate information could result in the wire being rejected or failing. Please be sure the routing information submitted is usable for wire transfers as many large banks have a different routing number for wires than what is shown on your checks. Once you fill in the form, submit it and keep a copy handy. You can print the form or access it again from your dashboard by double clicking the pending wire transfer listed at the top of your transactions list.
After the form is submitted, you will be automatically prompted to schedule a phone review with a Toast representative who will verify your identity and the transfer details. This last step is for your protection, reducing the risk of fraud and the chance the funds are mistakenly sent to the wrong account. Once a wire is sent that you have authorized, it is not possible to get the funds back and you are responsible for any losses. The call with Toast must occur before 4 PM ET for the wire to be processed the same day.
What information will I need to make an inbound wire transfer from a Toast Checking account?
Beneficiary Name:
The name of the Toast Checking account holder
Beneficiary Account Number:
Your Toast Checking account number
Beneficiary Routing Number / Receiver ABA:
064209588
Beneficiary Address:
The address on your Toast Checking account
Beneficiary Bank Name:
Thread Bank
Beneficiary Bank Routing Number:
064209588
Beneficiary Bank Address:
210 E Main St, Rogersville TN 37857
Back to top

4. Toast Checking Interest

What’s the annual percentage yield (APY) for my Toast Checking accounts?
Annual percentage yield, also known as APY***, is the rate used to calculate how much interest you earn on money in your primary Toast Checking account and any Jars. The APY you earn depends on your total balance as well as the date you opened your first Toast Checking account:
If you opened your first account on or after March 3, 2025: Interest rate of 1.49% and Annual percentage Yield (APY) of 1.50% for accounts with total balances of $15,000 or more is effective as of 11/4/2025. You will not earn any interest or APY if the total balance across your accounts is less than $15,000. The interest rates and APY are variable and may change at any time. Fees may affect earnings on the account.
If you opened your first account before March 3, 2025: Interest rate of 1.90% and Annual Percentage Yields (APY) of 1.92% for accounts with balances below $25,000, and interest rate of 2.10% and Annual Percentage Yield (APY) of 2.12% for accounts with balances $25,000 or higher, are effective as of 11/4/2025. The interest rates and APYs are variable and may change at any time. Fees may affect earnings on the account.
How is the interest I receive for my Toast Checking account calculated?
Interest is calculated on the balance in each account (your primary Toast Checking account and Jars) for each day of the month. All interest earned for a month (the total of all the individual daily interest calculations) is paid out on the first day of the following month into the individual accounts.
Can the interest rate for my Toast Checking accounts change over time?
Yes, the interest rate is variable and may change at any time.
How do I see my Toast Checking account’s interest rate?
You can find the current interest rate listed at the top of your Toast Checking dashboard.
Do I have to pay taxes on the interest my Toast Checking accounts earn?
Yes.
Will I receive a tax form (1099-INT) to report the interest my Toast Checking accounts earn?
Yes. 1099-INT forms are prepared and mailed in January and can also be found on the Toast Checking dashboard.
Back to top

5. Toast Checking Fees, Minimums, and Account Limitations


Is there a monthly fee or minimum balance required for Toast Checking?
There is no monthly fee for Toast Checking and there is no minimum balance required.
How much does it cost to transfer funds to and from a Toast Checking account?
There is no fee for ACH transfers into or out of your account. For wire transfers, there is a fee of $5 for each inbound wire transfer. There is a fee of $25 for each outbound wire transfer.
Are there any account functionality limitations for Toast Checking?
Yes, the initial offering of Toast Checking has some functionality limitations, which will be addressed in the future. Some limitations are related to the fact that the Toast Checking accounts are online only accounts and may not change such as no paper check issuance. As new features are enabled, you’ll be notified immediately.
Back to top

6. Toast Checking Support


How do I get in touch if I have questions or an issue with a Toast Checking account?
For the fastest resolution, please email toastchecking@toasttab.com. If your email arrives after hours, we will be in touch the next business day morning. You may also call (617) 468-5542 if you have questions or an issue. Our customer service hours are available Monday - Friday between 9 a.m. - 5 p.m. ET.
I changed my phone number and am unable to log into my Toast Checking account. What should I do?
Please email us at toastchecking@toasttab.com and we can help to get your phone number updated and restore your access.
How do I dispute a charge for a Toast Checking account?
Before you file a dispute:
  • If you’ve done business with this merchant, contact them directly to try and resolve your concerns.
  • If you notice a transaction you didn’t make or have a question about a transaction in your history, you will need to report a dispute. To do so, contact us for assistance at toastchecking@toasttab.com.
How long does it take to receive provisional credit for a disputed charge on a Toast Checking account?
Provisional credit can take up to 10 business days to post to your account from the date you tell us of an unauthorized transaction.
What do I do if I didn’t receive an inbound wire transfer for a Toast Checking account?
You won't see your wire transfer if it gets rejected, returned, or declined because the account info is wrong. If you don't see the wire in your Toast Checking account, contact the following:
  • If you initiated the wire transfer - reach out to the sending bank
  • If your customer sent you the wire transfer - reach out to your customer. They'll need to speak to their bank.
To investigate a missing wire, you'll need to get a Federal Reference number or an IMAD from the sending bank.
Can I place a “stop payment” on a recurring payment from a Toast Checking account?
Yes. Contact us by email at toastchecking@toasttab.com at least three (3) business days before the next payment is scheduled to be made. You must provide us with (a) your name, (b) your Account number, (c) the company or person taking the payments, and (d) the date and amount of the Preauthorized Transfer you wish to stop. If you want all future payments from that company or person stopped, be sure to tell us that as well.
Can I overdraft a Toast Checking account with a purchase?
No. We don’t currently offer overdraft protection. If you attempt a transaction for more money than you have, it will get declined.
Back to top

7. Toast Checking Account Closures

If I close my Toast account, how can I access Toast Checking?
You must have an open Toast account to have and access Toast Checking. If your Toast account is closed, we will close your Toast Checking account(s) within four weeks and send you a check for the funds in the account(s). To ensure uninterrupted access to your funds, you should transfer all funds in your Toast Checking accounts out to an external bank account before closing your Toast account.
How do I close my Toast Checking accounts?
Reach out to toastchecking@toasttab.com to initiate a Toast Checking account closure. You can close your account at any time and there are no penalties. Any interest still owed to you will be sent via a check to the address on your bank account at the time of account opening. Your 1099-INT form will be mailed to you in January.
Back to top

8. General Toast Checking FAQs

Where do I find Toast Checking on Toast Web?
Toast Checking can be found on the Financial Products Page.
Where can I find a Toast Checking account’s account number and routing number?
You can view your account number and routing number on your Toast Checking dashboard. Locate your Toast Checking account or Jar, and click on the three dots ( ⋮ ) to find your account and routing numbers.
How do I get Toast Checking monthly statements?
Statements are generated during the first few days following the end of the previous month and are electronically filed to your Toast Checking dashboard, under account details when you click on the three dots ( ⋮ ) next to your Toast Checking account or Jar.
If I apply for a Toast Capital Loan, can I have my loan funds deposited into a Toast Checking account?
Eligible Toast Checking customers may be able to have Toast Capital Loan funds disbursed to their primary Toast Checking account.
How do I connect Toast Checking to Quickbooks?
  1. Log into the relevant Intuit product and select to connect a new bank account.
  2. Within the directory, search for and select Toast Checking, and enter the mobile phone number associated with your account.
  3. A verification code will be sent via SMS for you to authenticate your account.
  4. Your Toast Checking information and other transaction data will be automatically published to Intuit.
    • Mint will pull 90 days of transaction history.
    • For Quickbooks, you can select a timeframe to import.
  5. You can revoke Intuit's access to your account at any time.
How might a lien or levy impact my Toast Checking accounts?
This is case specific, but the impact can be significant. Toast is often informed if customers have a lien or levy filed against their business by third parties. Toast must then submit the lien or levy for processing which can severely impact your business receivables, e.g. your nightly settlements from Toast. This would impact your Toast Checking Auto Savings, which would be paused until the creditor notifies Toast that the lien is satisfied. If you see your Auto Savings has not been automatically turned back on after a lien is satisfied, it may be necessary for you to notify us at toastchecking@toasttab.com to restore this feature of Toast Checking.
Please also know that Toast may be required by the lien, levy, subpoena, or other procedural requests to inform the creditor of the existence of Toast Checking and that funds are held within it, as the creditor may have a claim to Toast Checking funds as business proceeds. In some cases, the funds in Toast Checking accounts may be required to be turned over to the third party creditor.
Where can I find all of the details about Toast Checking?
Everything you need to know about your account can be found in your Toast Checking Account Agreement.
Back to top

9. Toast Checking Jars

What is a Jar?
Each Jar is a Toast Checking account that you can use for a specific purpose. The Jars feature is included with Toast Checking that helps you better organize your budget and manage your savings. You can use Jars to set aside money for typical business needs such as taxes, payroll, rent, supplier invoices, major purchases, projects, or even a rainy day fund.
Each Jar is a separate Toast Checking account, with features such as:
  • Customizing each Jar’s name and icon to reflect your goals
  • Easily transferring money in and out, including paying bills via ACH
  • Transfers between your primary Toast Checking account and between Jars are instant
  • Setting up an Auto Savings percentage specific to each Jar
How do I figure out what Auto Savings to set for my Jar?
If you have a target amount and target date you want to save up for in a given Jar, you can easily estimate your Auto Savings percentage to reach that goal. Note that this estimation does not include interest you’ll earn on your Auto Savings, so you would reach your goals even faster if your sales fall in line with your estimations.
Start by jotting down the following:
  1. Target Jar amount: how much you want to save
  2. Target timeframe: when you need that amount by
  3. Daily card sales (deduct all other scheduled debits, such as Easy Pay lease fees)
  4. Daily card sales to divert: Divide your Target Jar amount by your Target timeframe
  5. Auto Savings percentage: Divide your Daily card sales to divert by your estimated Daily card sales
As an example, let’s say a business wants to open a Jar to save up towards a custom $2,700 furniture order that they need to pay for 3 months from now, and this business does $1,000 in daily card sales.
  • Target Jar amount: $2,700
  • Target timeframe: 3 months (90 days)
  • Daily card sales: $1,000
  • Daily card sales to divert: $30 per day ($2,700 invoice / 90 days)
  • Auto Savings percentage: 3% ($30 needed per day / $1,000 daily sales)
What APY does each Jar earn?
Jars earn the same APY (annual percentage yield),*** which depends on the total balance of your primary Toast Checking account and all Jars, as well as the date you opened your first Toast Checking account:
  • If you opened your first account on or after March 3, 2025: Interest rate of 1.49% and Annual percentage Yield (APY) of 1.50% for accounts with total balances of $15,000 or more is effective as of 11/4/2025. You will not earn any interest or APY if the total balance across your accounts is less than $15,000. The interest rates and APY are variable and may change at any time. Fees may affect earnings on the account.
  • If you opened your first account before March 3, 2025: Interest rate of 1.90% and Annual Percentage Yields (APY) of 1.92% for accounts with balances below $25,000, and interest rate of 2.10% and Annual Percentage Yield (APY) of 2.12% for accounts with balances $25,000 or higher, are effective as of 11/4/2025. The interest rates and APYs are variable and may change at any time. Fees may affect earnings on the account.
How do I open a new Jar?
  1. At the top of your Toast Checking Dashboard, select Open a Jar.
  2. Follow the instructions to personalize your account, set up Auto Savings, and deposit funds into your new jar.
How do I edit a Jar’s Auto Savings or other settings?
Changing a Jar’s Auto Savings setting is just like changing Auto Savings for your primary Toast Checking account:
  1. On your Toast Checking Dashboard, locate the Jar you want to change settings for.
  2. Edit Auto Savings by selecting the three dots ( ⋮ ) next to the Jar’s name.
How do I transfer money into and out of a Jar?
To initiate an ACH transaction, or transfer money between Jars and Toast Checking accounts:
  1. At the top of your Toast Checking Dashboard, select Transfer Money
  2. Select the accounts you want to transfer money into and out of and follow the instructions that appear.
To initiate a wire transfer:
  1. At the top of your Toast Checking Dashboard, select Wire Transfer
  2. Select the accounts you want to transfer money into and out of and follow the instructions that appear.
When transferring money between Jars or your primary Toast Checking account, your funds will be available instantly! Transferring money from or into a non-Toast Checking account may take a few days depending on the schedule of the bank receiving funds.
Can I use my Jar to pay bills via ACH?
Yes! Each Jar has its own bank account and routing number, which are located on your Toast Checking Dashboard.
  1. Locate the Jar you want to use via your Toast Checking Dashboard
  2. Select the three dots ( ⋮ ) to see that Jar’s account number and routing number
How many Jars can I open?
You can open as many Jars as you need to best manage your money. Use Jars for both saving and budgeting of regular monthly expenses. With Jars you can monetize your operating budget and who doesn’t like to make their money work harder?
Can I overdraft a Jar with a purchase?
No. We don’t currently offer overdraft protection. If you attempt a transaction for more money than you have in that Jar, it will get declined. If you have insufficient funds in your primary Toast Checking account or Jar you’re initiating a transaction for, funds will not automatically be pulled from other Jars or your primary Toast Checking account to cover any transaction, and it will get declined.
If you have an upcoming purchase or an automated payment from your Jar, it’s best to make sure your Jar has sufficient funding first.
How do I close a Jar?
Closing a Jar is easy — keep in mind that, you must first transfer the Jars funds to another Toast Checking account.
  1. Locate the Jar you want to close via your Toast Checking Dashboard
  2. Select the three dots ( ⋮ ) at the top right corner of the Jar you want to close
  3. Select Manage Jar, and then select Remove Jar on the next screen
You’ll be prompted with a warning to Transfer Funds if your Jar has money in it still
Back to top

10. Toast Checking Debit Mastercard FAQs

How do I report a lost or stolen Toast Debit Mastercard?
If you need to report your Toast Checking Debit Mastercard as lost, stolen, or compromised, or to replace your debit card for any reason, please email us at toastchecking@toasttab.com. You will be required to provide personal information so that we may verify your identity before we will issue you a replacement debit card.

General Toast Debit Mastercard FAQ


Where will my Toast Debit Mastercard be sent?
Your debit card will be sent to the address you provided in your Toast Checking application.
How long will it take to receive my Toast Debit Mastercard?
You should receive your debit card within 10 business days.
How do I activate my Toast Debit Mastercard?
You may activate your debit card by visiting your Toast Checking dashboard. You will be required to set a four-digit numerical PIN during the activation process.
What can I do if I don’t receive my Toast Debit Mastercard?
If you don’t receive your card within the next 10 business days, please email us at toastchecking@toasttab.com to request a new one. We will reissue your card and block the original card number to ensure it doesn’t fall into the wrong hands.
Back to top

Toast Debit Mastercard Benefits

Is there cash back for my Toast Debit Mastercard?
Yes, your Toast Debit Mastercard offers unlimited 1% cash back on eligible** purchases made with the card. Cash back rewards are applied to the account tied to the Toast Debit Mastercard used.
How do I get my cash back rewards?
Any cash back rewards are automatically credited monthly into the Toast Checking account associated with the Debit Mastercard you used to make your purchases. Rewards are typically deposited within seven business days after the end of each month.
Can I earn cash back on online transactions and bills?
Yes, if the transaction is processed through the Mastercard network, you will earn 1% cash back.** Most vendors and service providers will process payments through the Mastercard network, but not all do.
What is Mastercard Easy Savings?
Mastercard Easy Savings lets you conveniently save through rebates at more than 50,000 locations**** ranging from restaurants, hotels, gas stations, and more. Best yet, your rebates are automatically applied after your eligible purchase. Your debit card is automatically enrolled so you can start earning today! Learn more here.
What is the Mastercard ID Theft Protection Program and how do I enroll?
The Mastercard ID Theft Protection Program may provide you with alerts via email, phone call, and/or text messages when Mastercard’s identity monitoring service detects suspicious activity. Visit the Mastercard ID Theft Protection website to enroll. For more information or support, please call 1-866-805-7848.
Back to top

Use Your Toast Debit Mastercard


How can I use my Toast Debit Mastercard?
You can use your debit card to make purchases both in-store and online. You can also withdraw money at any ATM displaying the Mastercard logo, and you can withdraw money or check your account balance fee-free at any ATM in the Allpoint network. You can find your nearest Allpoint ATM here.
What account is my Toast Debit Mastercard tied to?
Your physical debit card is associated with your primary Toast Checking account.
Does my Toast Debit Mastercard have fees?
There are no monthly fees to use your debit card. Withdrawing at an Allpoint ATM has no ATM surcharge fee, but there may be a fee when withdrawing from an out-of-network ATM.
ATM fees are third-party fees assessed by the individual ATM operator only and are not assessed or controlled by us.
There are no fees when depositing cash at Allpoint+ ATMs.
Adding cash^ at the register of a retail store has a service fee up to $4.95, and limits on how much cash you can add at a retailer may apply.
See your Toast Checking Account Agreement for all current fees.
Can I use my Toast Debit Mastercard at ATMs?
Yes, you can use your debit card to withdraw money at any ATM displaying the Mastercard logo, and you can withdraw money or check your account balance fee-free at any ATM in the Allpoint network. You can find your nearest Allpoint ATM here or by using the locator on your Toast Checking dashboard.
Allpoint ATM withdrawals have a $400 limit per transaction at all locations. Please see your Toast Checking Account Agreement for all current ATM withdrawal limits.
You can also deposit cash at any Allpoint+ ATM.
How do I add my Toast Debit Mastercard to my digital wallet?
To add your debit card to the mobile wallet of a supported device, please follow the instructions for common digital wallets below.
Where can I track my Toast Debit Mastercard transactions?
You can track your debit card activity by visiting your Toast Checking dashboard, navigating to your primary Toast Checking account, and selecting the three dots ( ⋮ ) to view your Account Activity. Note that transactions may take a few business days to post to your account.
What are my Toast Debit Mastercard’s transaction limits?
Please review your Toast Checking Account Agreement for more details.
How do I request a Stop Payment for pre-authorized recurring payments on my Toast Debit Mastercard?
If you authorize a merchant or other third party to take payments from your Account using your Card through recurring card payments, you can place a stop payment on one or all of those payments by contacting us by email at toastchecking@toasttab.com at least three (3) business days before the next payment is scheduled to be made.
You must provide us with:
  • Your name
  • Your Account number
  • The company or person taking the payments, and
  • The date and amount of the scheduled payment you wish to stop. You can also request to stop all future recurring payments as well when providing the details above.
You may be charged a fee for each stop payment you request under your Account Agreement. Please refer to your Toast Checking Account Agreement for fees applicable to your Account.
Can I overdraft my Toast Debit Mastercard?
No, we don’t currently offer overdraft protection. If you attempt a transaction for more money than you have in your primary Toast Checking account, it will get declined. If you have insufficient funds in your primary Toast Checking account, funds will not automatically be pulled from any Jars to cover any transaction, and it will get declined.
Similarly, due to the timing of when approved debit card transactions settle — that is, when the money actually gets sent to the person you purchased from — it’s possible your balance could become negative if you have insufficient funds. We cannot stop a debit card transaction once it has been approved, and you will be responsible for repaying any negative balance that may occur in your account. Please see Card Authorization Holds on your Toast Mastercard Debit Cardholder Agreement for more details.
If you have an upcoming purchase or an automated payment from your Toast Debit Mastercard, it’s best to make sure your primary Toast Checking account has sufficient funding first.
Back to top

Toast Debit Mastercard Support

How do I report errors or file a dispute for a transaction on my Toast Debit Mastercard?
Please call 1-855-333-1725 with questions concerning transactions involving your debit card.
Be sure to contact us immediately if you believe that an error or unauthorized transaction has occurred or may occur concerning your debit card. You must contact us no later than thirty (30) days after we sent the FIRST statement on which the suspected error or unauthorized transaction appeared.
You must provide us with the following information:
  1. Your name and Account number.
  2. A description of the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
  3. The dollar amount of the suspected error.
  4. If you tell us orally (e.g. over the phone), we may require that you send us your complaint or question in writing by email within ten (10) business days.
If you tell us orally, we may require that you send us your complaint or question in writing by email within ten (10) business days.
I forgot my Toast Debit Mastercard’s PIN. What can I do?
If you need to report your PIN as lost, stolen, or compromised, please contact us at toastchecking@toasttab.com. You will be required to provide personal information so that we may verify your identity before we will issue you a replacement debit card.
How can I cancel or turn off my Toast Debit Mastercard?
If you no longer wish to use your debit card, please email toastchecking@toasttab.com. You can freeze your card by going to your Toast Checking dashboard, selecting Manage Card, and then selecting Freeze Card; if you wish to close your card, you can select Close Card.
Back to top

11. Depositing Cash


Deposit Cash at an ATM Using Your Toast Debit Mastercard
How do I deposit cash at an Allpoint+ ATM with my Toast Debit Mastercard?
1. Find an Allpoint+ ATM near you with Allpoint’s ATM locator page here or using the locator on your Toast Checking Dashboard.
  • Make sure the ATM is marked as an Allpoint+ Cash Deposit ATM. Cash deposit is only supported at Allpoint+ ATMs.
2. Bring your Toast Checking Debit Mastercard with you and follow the on-screen instructions at the Allpoint+ ATM
Are there limits for depositing cash at an Allpoint+ ATM with my Toast Debit Mastercard?
  • Per transaction: $1,000
  • Per day: $2,000
You can also learn more by reviewing your updated Toast Checking Account Agreement.
Where can I find Allpoint+ ATM locations?
1. Visit Allpoint’s ATM locator page here or using the locator on your Toast Checking Dashboard
2. Enter your address or zip code
3. Next to the Search button, select Search Filters and select only “Allpoint+ Cash Deposit ATMs”
How much does it cost to deposit cash at an Allpoint+ ATM using my Toast Debit Mastercard?
There are no fees for depositing cash at an Allpoint+ ATM!
Can I deposit cash directly to a specific Toast Checking Jar?
Cash is deposited to your primary Toast Checking account, which is associated with the Debit Mastercard. After funds have been added to your primary Toast Checking account, you can instantly transfer them to one of your Jars.
How do I know that the funds went through when I deposit cash at an Allpoint+ ATM using my Toast Debit Mastercard?
Check your transaction history on your Toast Checking dashboard to confirm your transaction went through. Keep the receipt as proof of your transaction.
When will the money be available in my account when I add when I deposit cash at an Allpoint+ ATM using my Toast Debit Mastercard?
Your money should be available the next business day after completing your transaction.
Back to top

Deposit Cash at a Retail Location With a Toast Debit Mastercard

How do I add cash at the register of a retail store with my Toast Debit Mastercard?
1. To add cash^ at the register, go to any participating retailer and hand the cashier $20~$500 cash (plus any applicable retail service fee).
2. They’ll swipe your card to complete the transaction and give you a receipt as proof.
  • Service fee up to $4.95 and limits on how much cash you can add at a retailer may apply.
Are there limits for adding cash at the register with my Toast Debit Mastercard?
  • Minimum: $20
  • Per transaction: $500 at most retailers, $1,000 at Walmart
  • Per day (rolling 24 hours): $1,500
  • Per week (rolling 7 days): $3,500
  • Per month (calendar 30 days): $5,000
You can also learn more by reviewing your updated Toast Checking Account Agreement.
Where can I go to add cash using my Toast Debit Mastercard?
You can add cash to your card at thousands of participating locations nationwide including 7-Eleven®, CVS®, Dollar General®, Family Dollar®, Kroger®, Walgreens®, Walmart® and more. Service fee up to $4.95 and limits on how much cash you can add at a retailer may apply. Toast Checking does not charge a fee for cash deposits.
Find the nearest location here or use the locator on your Toast Checking Dashboard.
How much does it cost to add cash at the register of a retail store using my Toast Debit Mastercard?
Adding cash at the register directly to your Toast Checking Debit Mastercard costs up to $4.95, and $3.74 at Walmart.
Can I add cash directly to a specific Toast Checking Jar?
Cash is added to your primary Toast Checking account, which is associated with the Debit Mastercard. After funds have been added to your primary Toast Checking account, you can instantly transfer them to one of your Jars.
How do I know that the funds went through when I add cash at the register of a retail store with my Toast Debit Mastercard?
Check your transaction history on your Toast Checking dashboard to confirm your transaction went through. Keep the receipt as proof of your transaction.
When will the money be available on my card when I add cash at the register of a retail store with my Toast Debit Mastercard?
At most retailers, your money will be available on your card within 10 minutes. Some retailers may take up to one hour.
Back to top

13. Money Movement Table

Money movement occurs on business days (excludes Saturday, Sunday and Federal Holidays)
Your Accounts will have different deposit and withdrawal limits for certain ACH transfers for the first ninety (90) days after your onboarding as a Toast Merchant (“First 90 Days”).
Deposits Into Your Account
Deposit Method
$ Limitations
(calculated by adding together total amounts you add or withdraw from all of your Toast Checking accounts)1
Cut Off Times
(If applicable)
Funds Availability
Direct Deposits2
Includes Auto Savings Transfers
No limits
N/A
Posted as received through end of the business day
ACH transfers into your Accounts from a connected bank account with another institution3
This transfer is initiated from within your Toast Checking account’s “add funds to my account” function.
First 90 Days
$10,000/day
$100,000/month
After First 90 Days
$25,000/day
$100,000/month


3:00 PM ET
Request processed next business day
Up to 5 days after receipt
Internal transfers between eligible accounts managed by Toast
No limits
N/A
Immediate
Domestic inbound wires
No limits
4:00 PM ET
Same Business Day
Cash Deposit via Green Dot®4 Financial Network
(“Green Dot”)5
$500/transaction at most participating retailers
$1,000/transaction at Walmart

$1,500/day
$3,500/week
$5,000/month

4 deposits/day
7 deposits/week

20 deposits/month
Cash deposit at in-network ATM
$1,000/transaction
$2,000/day

You can use your debit card to make deposits at in-network ATMs. You can identify an in-network ATM by looking for the Allpoint logo on or near the ATM. You cannot make cash deposits at out-of-network ATMs.
Withdrawals From Your Account
Deposit Method
$ Limitations
(calculated by adding together total amounts you add or withdraw from all of your Toast Checking accounts)1
Cut Off Times
(If applicable)
Funds Availability
Internal transfers between eligible Accounts managed by Toast
No limits
N/A
Immediate
ACH transfers from your Accounts to another bank account via ACH Origination Services
Examples: make scheduled payments to vendors or pay employees with Direct Deposit
First 90 Days
$5,000/day
$100,000/month
After First 90 Days
$10,000/day
$100,000/month
3:00 PM ET
Request processed next business day
Depends on schedule of the bank receiving funds
ACH transfer to a merchant or other third party you authorize to withdraw from your Account using your routing number and account number
No limits
3:00 PM ET
Request processed next business day
< 1-3 business days, depending on schedule of the bank receiving funds
ATM withdrawals
$1,000/day
Domestic outbound wire
$200,000/day
$500,000/month
4 PM ET
Must complete Toast’s required authorization review prior to cut off
Same business day. Time of day depends on schedule of the bank receiving funds
ACH transfers from your Accounts to a connected bank account at another institution3
First 90 Days
$5,000/day
$100,000/month
After First 90 Days
$25,000/day
$100,000/month
3:00 PM ET
Request processed next business day
< 1-3 business days, depending on schedule of the bank receiving funds
POS transactions and other transactions at merchants using your debit card
$5,000/day


1The limits above are determined by adding the total amount of deposits or withdrawals you make from all of your Toast Checking accounts (your primary Toast Checking account and any Jars). For example, if you have two Accounts, you may add or withdraw a total of $25,000/day in ACH transfers from your Accounts to connected bank accounts with other financial institutions.


2The recipient’s name on any direct deposit or ACH, must match the name on the Account or the deposit may be returned to the originator. Direct deposit is the deposit of funds electronically into your Account.


3You may transfer funds between your Account and another bank account. The connected bank account must be located in the United States.


4©2025 Green Dot Corporation. Green Dot is a registered trademark of Green Dot Corporation.


5Available only at the register at participating retailers. Green Dot may impose its own fees, as well as limitations on the amount or frequency you can deposit. Cash deposits via Green Dot are processed as electronic fund transfers.


^Retailer cash load service provided by Green Dot® ©2025 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.


*Toast is not an FDIC-insured 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. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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


** Only purchase transactions processed through the Mastercard network are eligible for cash back rewards. Ineligible transactions include transactions that are not processed through the Mastercard network, cash withdrawals, peer-to-peer debit transactions, refunds, or any transaction that is not consistent with lawful use of your Toast Checking Account. We reserve the right to modify or terminate this rewards program at any time.


***If you opened your first account on or after March 3, 2025: Interest rate of 1.49% and Annual percentage Yield (APY) of 1.50% for accounts with total balances of $15,000 or more is effective as of 11/4/2025. You will not earn any interest or APY if the total balance across your accounts is less than $15,000. The interest rates and APY are variable and may change at any time. Fees may affect earnings on the account.


If you opened your first account before March 3, 2025: Interest rate of 1.90% and Annual Percentage Yields (APY) of 1.92% for accounts with balances below $25,000, and interest rate of 2.10% and Annual Percentage Yield (APY) of 2.12% for accounts with balances $25,000 or higher, are effective as of 11/4/2025. The interest rates and APYs are variable and may change at any time. Fees may affect earnings on the account.


****Restrictions apply. Rebates currently available for qualifying eligible purchases. Participating merchants and rebate offers subject to change. You’ll receive Mastercard Easy Savings Program rebates on top of merchant discounts.