Pay your team by direct deposit (for admins)

To help prevent fraud, we recommend that your employee updates their own bank info in Gusto. They might need to confirm their old account before adding a new one.

Employees can:

• Switch to direct deposit
• Add up to 5 bank accounts
• Split payments between accounts

Steps for admins to set up direct deposit for an employee:

1. Go to the People section.
2. Click the employee’s name.
3. Go to the Pay section.
4. In "Payment Methods", click Add Method.
5. Enter:
   1. Routing number
   2. Account number
   3. Account type
   4. Display name
6. Click Save.

📌 Gusto will send a test deposit to verify the bank account. If there’s an error, the account information may need to be updated. This can take a few days.

Once verified, the employee will be paid by direct deposit on each payroll submitted after it is verified.

Contractors can switch from check to direct deposit. To help prevent fraud, we recommend that your contractor updates their own bank info in Gusto. They might need to confirm their old account before adding a new one.

Steps for admins to set up direct deposit for a contractor:

1. Go to the People section.
2. Click the contractor’s name.
3. Under "Information", click Pay.
4. Next to "Payment", click Edit.
5. Choose Direct deposit and enter:
   • Account type
   • Routing number
   • Account number
6. Confirm the account number.
   • ⚠️ Prepaid debit cards cannot be used.
7. Click Save.

The contractor will be paid by direct deposit on payments submitted after the bank account has been verified.

To change the payment method for a dismissal payroll, read this article.

Employees can use the Gusto mobile app to access a Gusto spending account and a Gusto debit card.

If there’s a payment problem, review the expected payment timelines and troubleshoot bank errors.