¹Cash Account Annual Percentage Yield (APY) as of 1/3/23 is 1.00%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required. Based on the FDIC average national deposit rate for checking accounts as of 1/17/23 available at https://www.fdic.gov/resources/bankers/national-rates.

²Some fees, such as out-of-network ATM and foreign transactions fees, may apply. Please review the terms and conditions carefully.


Any balances you hold with nbkc bank, including but not limited to those balances held in Gusto accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Gusto accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.