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.
Based on the FDIC average national deposit rate for interest checking as of 12/18/2023 available at
Funds are generally accessible immediately, however, network disruptions may delay availability, typically no longer than 30 minutes.
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.
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.
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.
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