Switching to Toast
Feeling limited by your current tech? Toast is here for you, starting with easy onboarding.
Opening a New Restaurant
We'll take care of the technology, so you can focus on what matters most.
ONLINE ORDERING
A commission-free solution, totally integrated with your POS for real-time updates.
PAYROLL SUITE
Fast, easy payroll synced right with your POS.
ACCESS CAPITAL
Fast, flexible funding to power your restaurant.
Free Tools and Templates
Guides, e-books, and templates designed to help you run your restaurant business better.
Video Courses
Learn something new today — whether you've got 5 minutes or 50.
Trends and analysis from across the industry
Resources to help you get the most out of Toast
Restaurants of all kinds finding success with Toast
Get rewarded for helping restaurant clients succeed
Explore new and upcoming Toast solutions
Toast solutions for any concept
Operations, team management, payroll and more
Tools, insights, and advice
Front of house, back of house, and online seamlessly connect and work in sync.
Toast is designed for restaurant success. Customize Toast to fit the needs of your restaurant type.
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Under 10 Employees? Explore Starter Kits
These FAQs apply only to certain eligible Toast customers. Please note — Toast Balance 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.
Toast is not a bank. Banking services provided by Thread Bank; Member FDIC. The Toast Balance Account Debit Mastercard is issued by Thread Bank pursuant to a license from Mastercard Inc. and may be used anywhere Mastercard is accepted.
Table of Contents
If you need to report your Toast Balance Account† Debit Mastercard as lost, stolen, or compromised, or to replace your debit card for any reason, please contact us at 1-855-333-1725 seven (7) days a week, twenty-four (24) hours a day. You will be required to provide personal information so that we may verify your identity before we will issue you a replacement debit card.
Your debit card will be sent to the address you provided in your Toast Balance Account application.
You should receive your debit card within 10 business days.
You may activate your debit card by calling 1-855-333-1725 or by visiting your Toast Balance Account dashboard. You will be required to set a four-digit numerical PIN during the activation process.
If you don’t receive your card within the next 10 business days, please email us at toastbalance@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.
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 by clicking here.
Your physical debit card is associated with your primary Toast Balance Account.
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.
See your Toast Balance Account Agreement for all current fees.
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 by clicking here.
AllPoint ATM withdrawals have a $400 limit per transaction at all locations. Please see your Toast Balance Account Agreement for all current ATM withdrawal limits.
You currently cannot deposit money into your primary Toast Balance Account at ATMs; only withdrawals and balance inquiries are supported.
To add your debit card to the mobile wallet of a supported device, please follow the instructions for common digital wallets below.
Apple Pay instructions
Google Wallet instructions
Samsung Pay instructions
You can track your debit card activity by visiting your Toast Balance Account dashboard, navigating to your primary Toast Balance Account, and clicking on the ( > ) to view your Account Activity. Note that transactions may take a few business days to post to your account.
Please review your Toast Balance Account Agreement for more details.
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 toastbalance@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 Balance Account Agreement for fees applicable to your Account.
No, we don’t currently offer overdraft protection. If you attempt a transaction for more money than you have in your primary Toast Balance Account, it will get declined. If you have insufficient funds in your primary Toast Balance 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 debit card, it’s best to make sure your primary Toast Balance Account has sufficient funding first.
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:
Your name and Account number.
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.
The dollar amount of the suspected error.
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.
If you need to report your PIN as lost, stolen, or compromised, please contact us at 1-855-333-1725 seven (7) days a week, twenty-four (24) hours a day. You will be required to provide personal information so that we may verify your identity before we will issue you a replacement debit card.
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.
If you no longer wish to use your debit card, please email toastbalance@toasttab.com.