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)

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.

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:

Batch created on	Deposit arrives
Monday	Tuesday
Tuesday	Wednesday
Wednesday	Thursday
Thursday	Friday
Friday, Saturday, or Sunday	Monday

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:

Batch created on	Deposit arrives
Monday	Wednesday
Tuesday	Thursday
Wednesday	Friday
Thursday	Monday
Friday, Saturday, or Sunday	Tuesday

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.

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.

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:

Holiday	2026	2027
New Year's Day	January 1	January 1
Birthday of Martin Luther King, Jr.	January 19	January 18
Washington's Birthday	February 16	February 15
Memorial Day	May 25	May 31
Juneteenth National Independence Day	June 19	June 19
Independence Day	July 4	July 4
Labor Day	September 7	September 6
Indigenous People's (Columbus) Day	October 12	October 11
Veteran's Day	November 11	November 11
Thanksgiving Day	November 26	November 25
Christmas Day	December 25	December 25

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.

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.