Ditch the paper checks—level up with direct deposit.

Running payroll doesn’t have to be a headache. Payroll with direct deposit is faster, safer, easier, and more secure. You can simplify your business and feel confident your team is paid accurately and on time—every time. What’s not to love?

Create account

Fast, easy, free

Cutting paper checks is both costly and time-consuming. Save the headaches, save money, and spend more time focusing on your business.

Safe and secure

Don’t sweat it. Direct deposit keeps you protected from fraud and lost checks—and helps you manage your cash flow like a pro.

Accurate and on time

Say goodbye to messy spreadsheets. Gusto’s fully automated direct deposit reduces errors and takes the complexity out of paying your team.

85% of businesses say Gusto gives them more time to run their business than before.

TechValidate*,
March 2022

Everything Gusto does is time saving. Having the payroll deducted electronically from our bank, then deposited into employees’ accounts is time saving. Bookkeeping on my end is minimal.

Green Sweep Operations

Direct deposit

Payroll done with the push of a button.

Payroll can be a bear for small businesses. But setting up direct deposit can save you hours each month. Reduce admin, cut down on paperwork, and get your employees paid faster. Gusto will remind you when payroll’s due, and you can review and approve payroll from anywhere in the world with Gusto’s mobile app.

Cash flow management

Never worry about juggling cash flow again.

Using direct deposit for small business means you know exactly how much is coming out for payroll and when. No more waiting and wondering when paper checks get cashed. Direct deposit protects you from fraud, and Gusto securely stores your employees’ sensitive information so you don’t have to. Do payroll the safe and easy way with Gusto.

Powerful tools

Unlock efficiencies for you and your team.

Whether full-time, hourly, or contractor, Gusto gives you and your employees more power over your paychecks. Employees can add their own bank info and choose to split payments across multiple accounts. You can choose next-day or two-day payroll deposits and get set up in a flash with Plaid instant verification. And best of all, your whole team can self-manage their paystubs and W2s, meaning you can kick back knowing Gusto’s got you and your people covered.

What is direct deposit?

Direct deposit is a method of paying your employees that acts as a replacement for paper paychecks. Direct deposits move funds between banks over a centralized electronic payment network called the Automated Clearing House (ACH) network. By electronically transferring funds from your company’s bank account to your employees’ accounts, you can save time and money over manually processing payro

How does payroll direct deposit work?

Paycheck direct deposit works by transferring funds from your business bank account directly into your employees’ accounts. These transactions are known as Automated Clearing House payments, or ACH payments. Your employees will usually see the money in their account two days after payroll is run (unless your provider offers same-day direct deposit) meaning it’s crucial to make sure you run payroll in time.

Should I get direct deposit for small business?

Absolutely! Small businesses stand to benefit the most from switching to direct deposit. Manually processing time sheets and cutting paper checks is both time-consuming and error prone. Especially for busy small business owners looking to spend less time on admin and more time running their businesses. When you switch to a direct deposit service for small business, you’ll save hours each month and feel confident payroll is done right.

If I direct deposit payroll, when will my employees get paid?

Gusto offers both 2-day and next-day direct deposit schedules. For a 2-day schedule, this means you need to run payroll two days before you want your employees to see their paychecks in their accounts. Gusto will always send you a reminder when payroll is due, and it can be run from anywhere in the world—giving you the freedom to run your business no matter where you’re at.

How do I set up direct deposit for my employees?

Direct deposit is easy to set up with Gusto. Add your business bank information that payroll will be debited from, and then have your employees sign into Gusto to add the account of their choosing. You and your employees can instantly verify your accounts with Plaid to get it set up without waiting. Direct deposit laws vary by state, but Gusto’s got you covered there too. You save time by putting your employees in the driver’s seat, and you can rest easy knowing all of their banking information is stored securely in Gusto.

How much does paycheck direct deposit cost?

While most direct deposit providers charge a fee for the service, direct deposit is completely free with any of Gusto’s plans.