上次更新时间：2026年4月22日 18:35
Toast Checking now offers limited check-writing capabilities. You can write checks from your Toast Checking account to pay vendors or individuals. However, you cannot deposit checks into your Toast Checking account.
No. Toast Checking does not support check deposits. You can only write checks to pay vendors or individuals.
1. From a check production company, purchase blank check stock that’s been MICR encoded with the routing and transit number and account number of the Toast Checking Account or Toast Checking account Jar from which you wish to withdraw funds. A check production company can be easily found online for a reasonable price searching “buy business checks”. Note: Toast and Thread Bank are not responsible for issues caused by third-party check printing vendors, including improperly formatted check stock or MICR encoding errors.
When ordering checks, use:
Bank name: Thread Bank
Routing number and account number: Use the routing and account number for the specific Toast Checking account (or Jar) you want to pay the check out of.
You might also consider utilizing check-writing software solutions to produce professionally formatted and visually consistent checks. Once you have the blank check stock, you can write the checks yourself on the spot. (Note: Toast Payroll checks are also supported. Please see that section for details.)
2. You only need to register checks in certain situations:
Customer-written checks under $1,000: No registration is required. These checks automatically post upon presentation.
Customer-written checks of $1,000 or more: Registration is required to confirm the check is authorized, or it may be returned unpaid.
Toast Payroll checks: These are typically validated automatically. In some cases, you may be asked to review/confirm a check.
See “How do I register a check?” for step-by-step instructions.
Yes. Toast Checking and Toast Checking Jars are an eligible funding source for Toast Payroll.
If you are using Toast Payroll, you typically do not need to register checks issued directly through Toast Payroll. If a check requires your review or confirmation, we'll notify you.
If you are using another payroll service or producing payroll checks yourself, the same customer check-writing rules apply (registration is required for checks of $1,000 or more).
To void a registered check that has not been deposited yet by the recipient, navigate to the check in your register and select the void option. Please call Toast Checking Customer Service at (617) 468-5542 for any questions. Customer service hours are Monday - Friday, 9 a.m. - 5 p.m. ET.
Yes. Toast applies check-writing limits to help manage fraud and account risk. Limits apply per Toast Checking account and per Jar:
Daily limit: $25,000
Monthly limit: $100,000
Checks of $25,000 or more require manual review before payment (typically completed the same business day).
Any Toast Payroll Checks drawn off of the same Toast Checking Account or Toast Checking Account Jars will be added to this cumulative limit. If you exceed the limit, the check will be rejected.
Checks can be disputed after they are processed.
To request a check dispute, you will need to complete a dispute form, have the form notarized, and returned to Toast via email toastchecking@toasttab.com.
Please call Toast Checking Customer Service at (617) 468-5542 for any questions. Customer service hours are Monday - Friday, 9 a.m. - 5 p.m. ET.
You’ll be notified via your email if a check requires your attention or has been returned unpaid.
For example, you may receive an email if:
A check of $1,000 or more is deposited but not registered
There is a mismatch between what was registered and what was presented for payment
If you have questions about using Toast Checking for Toast Check Writing contact Toast Checking (toastchecking@toasttab.com). If your email arrives after hours, we will be in touch the next business day morning. You may also call (617) 468-5542. Customer service hours are Monday - Friday, 9 a.m. - 5 p.m. ET.
Use Thread Bank.
Use the routing number and account number for the specific Toast Checking account or Jar you want to pay the check out of.
For checks of $1,000 or more, registration helps confirm the check details are authorized (Positive Pay) and helps protect your account from unauthorized checks.
Checks under $1,000: No registration is required.
Checks of $1,000 or more: If a check is deposited and you do not register it by the deadline in the email alert (typically by 11:00 a.m. ET the next business day), the check may be returned unpaid.
You can register a check from your Toast Checking dashboard.
Check number
Amount
Recipient name
Optional memo
If you enter a check’s information incorrectly during registration, before the deadline you may return to your Toast Checking Dashboard and select Register a check to update your registration.
Stop payments can only be processed if the check has not yet been cleared or paid. To request a stop payment, contact Toast Checking immediately with the exact check number, amount, and payee.
Stop payment requests remain active for up to one year, unless you cancel the request earlier.
Toast Checking does not charge a fee for stop payment requests.
Toast Checking does not charge fees for check writing, stop payment requests, check disputes, or checks returned unpaid.
Note: Third-party check printing vendors charge separate fees for check stock. While Toast does not charge for these services, you remain responsible for any underlying obligations or third-party penalties related to returned checks.
Toast is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. 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.
Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank 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.