Toast Balance Account: Debit Card FAQs

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. The Toast Balance Account is issued 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.

How do I report a lost or stolen debit card?

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.


1. General FAQs


Where will my debit card be sent?

Your debit card will be sent to the address you provided in your Toast Balance Account application.


How long will it take to receive my debit card?

You should receive your debit card within 10 business days.


How do I activate my debit card?

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.  


What can I do if I don’t receive my debit card?

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.


2. Using your debit card


How can I use my debit card?

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.


What account is my debit card tied to?

Your physical debit card is associated with your primary Toast Balance Account.


Does my debit card 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.


See your Toast Balance Account Agreement for all current fees.


Can I use my debit card 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 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.


How do I add my debit card 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 debit card transactions?

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.


What are my debit card’s transaction limits?

Please review your Toast Balance Account Agreement for more details.


How do I request a Stop Payment for pre-authorized recurring payments?

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: 

  1. Your name

  2. Your Account number

  3. The company or person taking the payments, and

  4. 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.


Can I overdraft my debit card?

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.



3. Debit card support


How do I report errors or file a dispute for a transaction on my debit card?

Please call 1-855-333-1725 with questions concerning transactions involving your debit card or report an error within the Toast Balance Account dashboard. You can also email toastbalance@toasttab.com to report suspected errors or unauthorized transactions.  


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 PIN. What can I do?

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.


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.


How can I cancel or turn off my debit card?

If you no longer wish to use your debit card, please email toastbalance@toasttab.com.