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Toast Checking: Debit Mastercard 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 Toast Web.

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Reporting a Lost Or Stolen Toast Debit Mastercard

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.
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1. General Toast Debit Mastercard FAQ

1a. Where will my Toast Debit Mastercard be sent?
Your debit card will be sent to the address you provided in your Toast Checking application.
1b. How long will it take to receive my Toast Debit Mastercard?
You should receive your debit card within 10 business days.
1c. 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.
1d. 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.
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2. Toast Debit Mastercard Benefits

2a. 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.
2b. 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.
2c. 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.
2d. 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.
2e. 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.
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3. Use Your Toast Debit Mastercard

3a. 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.
3b. What account is my Toast Debit Mastercard tied to?
Your physical debit card is associated with your primary Toast Checking account.
3c. 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.
3d. 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.
3e. 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.
3f. 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.
3g. What are my Toast Debit Mastercard’s transaction limits?
Please review your Toast Checking Account Agreement for more details.
3h. 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.
3i. 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.
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4. Toast Debit Mastercard Support

4a. 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.
4b. 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.
4c. 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.
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†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.


**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.


^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.