Deposit Schedules Overview

In this Article:

• Applicable Territories
• Deposit Timing Rules
• Before 9:30 p.m. ET Schedule
• After 9:30 p.m. ET Schedule
• Understanding the 4 a.m. Batch
• Manual Batches
• US Federal Banking Holidays
• Holiday Impact on Deposits
• Why Deposits Are Rejected
• Before Contacting Customer Care
• Related Articles

Applicable Territories

This article applies to restaurants based in the US only. If your restaurant is located in Ireland, Canada, or the UK, see Deposit Schedules for Restaurants in Ireland, Canada, and the UK.

For reference:

• This article covers credit card batch deposit timing
• Applies to all Toast Web users in the United States
• Does not cover Instant Deposit (a separate faster-deposit option)

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Deposit Timing Rules

Credit card batches are deposits of your payment card transactions processed into your bank account. The timing depends on when you create (batch) your transactions:

• If batch is created before 9:30 p.m. ET: Deposit arrives next business day
• If batch is created after 9:30 p.m. ET (or auto-batch at 4 a.m.): Deposit arrives two business days later

Most restaurants' service hours extend past 9:30 p.m. ET, which means deposits typically take two business days instead of one. If you want deposits faster, see Get Started With Instant Deposit.

Note: First-time deposits or newly linked bank accounts may experience slight delays.

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Before 9:30 p.m. ET schedule

If you batch your credit card sales before 9:30 p.m. ET, your deposit follows this schedule:

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After 9:30 p.m. ET Schedule

If you batch after 9:30 p.m. ET or use the automatic 4 a.m. batch, your deposit follows this schedule:

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Understanding the 4 a.m. Batch

Toast automatically captures one batch every day at 4 a.m. ET. This automatic batch:

• Processes any open-but-paid checks (checks the customer paid but that the restaurant did not manually close)
• Follows the "After 9:30 p.m. ET" schedule (two business days to deposit)
• Can be adjusted by Customer Care if needed

Batch times can only occur between 12 a.m. and 12 p.m. Contact Customer Care if you need to change your batch schedule.

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Manual Batches

You can create a manual batch at any time by selecting Capture during Close Out Day in Toast Web. Manual batches created after 9:30 p.m. ET follow the two-business-day schedule. Although transactions will be processed based on the deposit schedule, we cannot guarantee the exact time your bank will credit your account. Contact your bank for bank-specific timing questions.

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US Federal Banking Holidays

The US Federal Reserve observes 11 banking holidays per year. These holidays can delay your deposits. Use this table to plan for deposit delays:

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Holiday Impact on Deposits

If a federal banking holiday falls on your scheduled deposit day, your deposit is delayed by one day.

Example: If you normally receive deposits on Friday, but Friday is Independence Day (a federal holiday), your deposit will arrive on Monday instead.

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Why Deposits Are Rejected

Deposits are sometimes rejected by your bank. Here are the most common reasons and what to do:

Bank account is closed or frozen: Your bank rejected the deposit because the account is no longer active. Contact your bank directly to reopen or unfreeze the account, then contact Customer Care to re-process the deposit.

Bank account change is incomplete: If you recently linked a new bank account, the setup may not be finished. Check for any pending messages from Toast's U.S. Account Operations team. The final step is providing a voided check. Complete this step, then the account will be active for deposits.

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Before Contacting Customer Care

If your deposit is delayed or missing, gather this information before contacting Customer Care:

• Your deposit amount and the date you batched it
• The expected deposit date (based on the schedule above)
• Screenshot of the batch in Toast Web (if available)
• Your last successful deposit date
• Any error message you received
• Your Trace ID (Customer Care can provide this to your bank)

If you suspect a bank issue, contact your bank directly with the Trace ID. If the issue is with Toast, Customer Care can help.

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Related Articles

• Compare Deposits and Credit Card Sales
• Get Help With Missing or Delayed Credit Card Deposits
• Get Started With Instant Deposit

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