Business checking built for better cash flow
Toast Checking¹ helps you automatically set aside money for taxes, payroll, and expenses – so you know exactly what's safe to spend.
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Take control of your cash flow with Toast Checking
Put your budgeting on autopilot
Use Jars to automatically set aside money for taxes, payroll, and bills as sales come in, so your money is there when you need it.
Pay everyone from one account
Pay vendors and fund payroll from the same account where you track your sales — without toggling between different bank portals.
Access cash when you need it
Move Toast Capital Loan funds into Toast Checking when you need them, so cash is ready for payroll, inventory, or unexpected repairs.
Stay ahead of taxes, payroll, and expenses
Purpose-built Jars for essential bills
Create Jars to automatically set aside part of each day’s sales for rent and payroll, so you know the money is there.
Auto savings from Toast sales
Automatically send a percentage of each day’s Toast card sales into Toast Checking or specific Jars, so balances build and earn interest in the background.
Sales Tax Smart Jar
Automatically set aside sales tax into a dedicated Sales Tax Smart Jar when you enable it. Powered by DAVO, so filing and remitting sales tax happens on time, with less effort.
Simplify your vendor and staff payments
Spend and pay directly from Toast Checking: Use your Toast Debit Card¹ for 1% cash back² on daily expenses, or pay vendors via Bill Pay & ACH. No monthly fees or minimum balance to worry about.
Fund payroll from Toast Checking: Connect your Toast Checking Account to Toast Payroll and pay staff from the same account that holds your sales and Jars, keeping cash flow aligned.
Get fast funding when you need it
Instant deposit³ to Toast Checking¹: Move eligible card sales to checking in minutes, even nights and weekends, instead of waiting for the next business day.
Toast Capital Loan funds where you need them: Send loan funds directly to Toast Checking to plan for expenses or growth, pay key vendors, and earn interest on eligible balances.
¹Toast is not an FDIC-insured bank. Banking services provided by 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 Debit Mastercard is issued by Thread Bank pursuant to a license from Mastercard Inc. and may be used anywhere Mastercard is accepted.
Ready to take controlof your cash flow?
Toast is not an FDIC-insured bank. Banking services provided by 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 Debit Mastercard is issued by Thread Bank pursuant to a license from Mastercard Inc. and may be used anywhere Mastercard is accepted.
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.
With instant deposit, your restaurant's card transactions (excluding American Express Direct transactions) will be deposited to your restaurant's eligible bank account typically within a few seconds (may take up to 30 minutes in rare cases). A 1.75% fee is applied to the amount of each instant deposit.
Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 on the sweep program. Pass-through insurance coverage is subject to conditions.
Results self-reported by the customer. Individual results will vary.
Toast Capital Loans are issued by WebBank. Loans are subject to credit approval and may not be available to borrowers in certain jurisdictions. WebBank reserves the right to change or discontinue this program without notice.