Make your paycheck work harder with Gusto Wallet.
If your employer uses Gusto, the free app is for you. It’s a smart new way to track, save, and access your hard earned money.
Download on iOSDownload on AndroidWant to use a web browser? Log in to Gusto.
Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank.
It's your money. You decide where it goes.
Gusto Wallet puts your paycheck, Spending account, and savings tools all at your fingertips.
Set goals and save automatically.
Automatically tuck a little money away every time you get paid and earn 1.00% APY¹ with no account or overdraft fees.⁹
Create up to five Savings goals
Change your contribution anytime
Transfer to your Spending account instantly³
Use your card to spend confidently.
A Gusto Wallet Spending account⁴ comes with your own debit card. Plus, set up direct deposit and get paid up to 2 days faster.⁵
Get up to 2.00% APY¹ on Gusto. That’s more than the national average²!
Free withdrawals at over 37,000 ATMs nationwide⁶
Works with Apple Pay® and Google Pay™⁷
Build healthy spending habits with budget tools
Set a budget for necessities like housing, food, and transportation, and see how your spending stacks up each month – right from your Spending account.
You work hard for your money. Shouldn't it work hard for you too?
Track your money and time on the go.
Easily view paychecks, W2s, and other tax documents. Every paycheck includes a simple breakdown of hours, taxes, deductions, and more.
Get a clear record of your debit card activity, so you can track your transactions.
Use the paycheck splitter to automatically route your paycheck into different accounts.
Clock in, clock out, and manage your hours at the touch of a button.
Answers to a few good questions.
You can keep your Gusto Savings goals and Spending account or close them — it’s your money to do as you like. You’ll still have access to Gusto Wallet both in the app and in your Gusto account. And if you want paychecks from your next job to go to your Spending account or Savings goals, you can set that up too — just like a regular direct deposit.
Yes! Your security is incredibly important to us. Activity and balances are kept completely private for your Gusto Savings goals and Spending account. Plus, these accounts are eligible for up to $250,000 of FDIC insurance, through nbkc bank, Member FDIC.⁸
Your Gusto Savings goals and Spending account come with no account or overdraft fees.⁹
If you’ve never worked for any employer that used Gusto, you won’t be able to access Gusto Wallet. That said, we hope you’ll tell your boss about Gusto — and how easy it is to switch payroll providers!
Gusto is a payroll services company, not a bank. Your Gusto Savings goals and Spending account, are demand deposit accounts provided by nbkc bank, Member FDIC. Accounts are eligible for up to $250,000 of FDIC insurance, through nbkc bank, Member FDIC.⁸
Nope, you can access your Gusto Spending account and Savings goals from your regular Gusto account. The web browser should work on both your computer and your smartphone.
One of our goals as a company is to serve modern employees like you. We work with your employer to offer a host of long-term and short-term financial benefits at your disposal, like 401(k)s and 529 college savings through Gusto.
1 The Gusto Savings goals and Gusto Spending account are issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. The Gusto Savings goals and Gusto Spending account Annual Percentage Yield (APY) as of January 3, 2023, is 1.00%. The Gusto Wallet Premium Account APY is 2.00%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required.
2 Based on the FDIC average national deposit rate for interest checking as of 12/18/2023 available at https://www.fdic.gov/regulations/resources/rates/.
3 Funds are generally accessible immediately, however, network disruptions may delay availability, typically no longer than 30 minutes.
4 The Gusto Savings goals and Gusto Spending account are issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
5 With a Gusto Spending account, your direct deposit may be processed up to 2 days early. Timing depends on when your employer submits the payment file.
6 The Gusto debit card (issued by nbkc bank pursuant to a license from Visa U.S.A. Inc.) can be used for free at over 37,000 ATMs in the MoneyPass Network. There is a $2.50 charge when you use an out-of-network ATM for Gusto Spending account transactions, in addition to any fees charged by the ATM or ATM operator. At the end of each month, Gusto Wallet Premium users will receive a refund to your Gusto Spending account for one (1) $2.50 charge per month for out of network ATM fees. Please review the terms and conditions carefully.
7 Apple, Apple Pay, the Apple Logo, iPhone and App Store are registered trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
8 FDIC insurance is provided by nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Gusto Spending accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. 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 Spending 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/.
9 Some fees, such as out-of-network ATM and foreign transaction fees, may apply. Please review the terms and conditions carefully.