Toast Checking: Depositing Cash FAQ

In this Article:

Deposit Cash at an ATM Using Your Toast Debit Mastercard
Deposit Cash at a Retail Location With a Toast Debit Mastercard
Additional Resources

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.
  1. 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.

- If you opened your first Toast Checking Account before March 3, 2025, .
- If you opened your first Toast Checking Account on or after March 3, 2025, .

Where can I find Allpoint+ ATM locations?

1. Visit or using the
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 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.

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 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.
  1. 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.

- If you opened your first Toast Checking Account before March 3, 2025, .
- If you opened your first Toast Checking Account on or after March 3, 2025, .

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.

or use the .

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 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.

Additional Resources

†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.