Get paid through Gusto (for US employees)

US employees and contractors can add up to 5 bank accounts and split pay between them.

Add or change your bank account (or split pay)

Do not use symbols like dashes or commas in your account number. Gusto only accepts letters and numbers (alphanumeric formatting).

Add or update a bank account:

1. Sign in to Gusto.
2. Click My profile.
3. Go to the Pay section.
4. Click:
   • Edit to update the existing bank account.
   • Add payment method to add another bank.
   • Split pay to divide your pay between banks (if you have more than one set up)
5. Complete the security check (2-step code and confirm current bank).
   • If you cannot get past this step, get help with 2-step verification. 
6. Click Save.

Important: If you update your bank info after payroll is submitted but before payday, funds may go to your old account. Contact your employer if this happens.

Split your pay between banks

You can split your money two ways:

• By percentage (example: 70% to checking, 30% to savings)
• By dollar amount (example: $500 to one account, the rest to another).
  
  • If you split by dollar amount, drag and drop banks to set the payment order. We pay in the order you set until all your money is sent.

Mobile app: You can also add or split payments in the mobile app.

If Gusto gets a bank error trying to deposit money into your account

• We'll email you to let you know and send reminders every 3 business days. If nothing is fixed within 12 business days, your pay will go back to your company’s bank account.
• We'll automatically try to resend the payment when you:
  
  • Update your existing bank information, or;
  • Fully remove your old bank account and add a new one.

US employees and contractors can add up to 5 bank accounts. You can split your pay between different banks. 

1. Sign in to Gusto.
2. Click My profile.
3. Click the Pay section.
4. Click Add payment method to add another bank account.
5. Set up payment splitting:
   • Choose percentage or dollar amounts
   • Drag bank names to reorder them. We pay in the order you choose.
6. Click Save.

Payment splitting options

Split by percentage:

• Example: 80% to checking, 20% to savings
• Percentages must add up to 100%

Split by dollar amount:

• Example: $1,000 to checking, rest to savings.
• Drag bank names to reorder them. We pay in the order you choose.

How to remove a bank account

To remove a bank account:

1. Sign in to Gusto.
2. Go to My profile.
3. Under Information, click Pay.
4. Next to the bank you want to remove, click Edit.
5. Security check: Before making changes, you might need to enter your 2-step code and confirm your current bank details.
   • If you cannot get past this step, this article offers help with 2-step verification.
6. Scroll to the bottom of the popup.
7. Click Remove account.

If Gusto gets a bank error trying to deposit money into your account

• We’ll email you to let you know and send reminders every 3 business days. If do not fix the issue within 12 business days, your pay will go back to your company’s bank account.
• If you update your existing bank information, we’ll automatically try to resend the payment to the new account.
• If you fully remove your old bank account and add a new one, we’ll automatically try to resend the payment to the new account.
  
  

If your payment method is set to direct deposit, you can be paid by check instead—you'll just need to remove all bank accounts in your profile.

1. Sign in to Gusto.
   • Learn how to add or split payments on the mobile app.
2. Click My profile.
3. Select the Pay section. 
4. Next to the bank account you're using for direct deposit, click Edit.
5. Scroll all the way down, and click Remove Account.
   • We'll send you code via text or email. Enter this code in the pop-up screen in your Gusto account.
6. Repeat this process if you have multiple bank accounts.

You'll be paid by check moving forward (for all payrolls submitted after this change was made), and that check should come directly from your employer.

In Gusto, employees can be paid through payroll cards, also known as prepaid debit cards. At this time, payroll cards are not supported for contractors, and we do not offer Gusto-specific payroll cards.

How to use a payroll card with Gusto

Have your employee enter their payroll card's routing number and account number in their Gusto profile, and we'll deposit funds directly on the card every pay period. If their card is lost or stolen, have them add a new card or bank account information and delete the old card.

Where to get a payroll card

A good payroll card is the Serve card by American Express. It has a lower fee structure and a better user experience than other payroll cards. 

Learn more or sign up on their website.

Gusto Spending Account—an alternative option

Gusto does not offer payroll cards (prepaid debit cards), but we do offer the option for employees to apply for a Gusto Spending Account¹—a personal checking account—that comes with a debit card².

Unlike a payroll card, a Gusto Spending Account is a personal bank account that an employee must apply for directly. This type of account has several benefits, but approval is not guaranteed.

_{1. The Gusto Cash Account, savings goals, and spending account are issued by nbkc bank, Member FDIC.}

_{2. The Gusto Debit Card is issued by nbkc bank pursuant to a license from Visa U.S.A. Inc.}

Your pay date depends on when your employer sends your payroll through Gusto. Once your employer runs payroll, use this guide to fix any payment problems.

Non-US (international) contractors: If you have payment issues, ask your employer to message us through their Gusto account.

How direct deposit works

• Your employer submits payroll to Gusto
• Gusto sends direct deposit payments electronically to your bank
• You get an email from Gusto on payday
• Your paystub shows up in your account (learn where you can find them in Gusto in this article)
• Banks have until 5 PM local time to put money in your account

Important: Each company has different payment speeds. Ask your employer about your specific pay date. Gusto cannot answer questions about payments until your actual payday.

How check payments work

Your employer is responsible for giving you or sending you your paper check. Check your paystub in Gusto to see if you're getting paid by direct deposit or check.

My payment is missing—what do I do?

If you do not see money in your account on payday (allow until 5pm local time), or you believe there's a delay, follow these steps:

Step 1: Check your account

Make sure you're signed in to the right Gusto profile. If you have multiple accounts, try switching to a different one.

Step 2: Check your payment method

1. See if you're set up for direct deposit in your profile.
   • Note: Even if you have direct deposit set up, your employer can still choose to pay you by check.
2. Look at your paystub in Gusto to see if you're getting paid by direct deposit or check.
   
   • If it says "check," your employer should give you a paper check. The money will not appear in your bank if you're paid by check.

Step 3: Check your bank information

Make sure your bank details are correct:

Look for the test payment:

• Gusto sends a $0.01 test payment when you add bank info
• You should see this within 1-2 business days
• If you do not see it, your bank info might be wrong

If your bank info is wrong (and we got an error trying to deposit funds):

• Update your existing bank information—we'll automatically try to resend the payment to the new account.
• If you fully remove your old bank account and add a new one:
  • For US employees: We'll automatically try to resend the payment to the new account.
  • For all other users: You need to message us from the  section of your account to resend your payment.

If you recently changed banks:

• Check your old bank account for the payment
• If you cannot access your old account, message us from the  section of your account to get your "ACH trace ID" (payment tracking number)
• Then call your bank to help find the payment

Step 4: Check for pending payments

Sign in to your current bank account or call your bank. Ask if there are any pending payments (credits) coming to your account.

Still need help?

1. Contact your employer first. Ask them these questions:
   • When is my expected pay date?
   • Am I being paid by direct deposit or check?
   • Can you confirm my bank account details are correct?
   • Can you check my payment details?
2. If your employer cannot help, they can message us from the  section of their admin account. Our team can give them detailed information about your payment or any errors.

FAQs

Q: When will my direct deposit arrive?

A: Banks have until 5 PM local time on payday to put money in your account.

Q: Why don't I see my payment?

A: Check if you're paid by direct deposit or check. Look at your paystub in Gusto.

Q: My bank info changed. What do I do?

A: Update your existing bank information in Gusto.

If you fully remove your old bank account and add a new one (after getting a bank error):

• For US employees: We'll automatically try to resend the payment to the new account.
• For all other users: You need to message us from the  section of your account to resend your payment.

Q: Who do I contact for help?

A: Contact your employer first. If they cannot help, they can contact Gusto support for you.