Make your paycheck work harder with Gusto Wallet.

If your employer uses Gusto, the free Gusto Wallet app is for you. It’s a smart new way to track, save, and access your hard earned money.

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Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.

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 3.47% APY¹ with no account or overdraft fees.

Create up to five savings goals
Change your contribution anytime
Transfer to your spending account instantly²

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 3.47% APY¹ with no account or overdraft fees.

Create up to five savings goals
Change your contribution anytime
Transfer to your spending account instantly²

Use your card to spend confidently.

A Gusto Wallet spending account³ comes with your own debit card. Plus, set up direct deposit and get paid up to 2 days faster.⁴

Earn 86X more interest¹ than the national average
Free withdrawals at 37,000 ATMs nationwide⁵
Works with Apple Pay® and Google Pay™⁶

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.

Track your money and time

on the go.

Paychecks and W2s

Easily view paychecks, W2s, and other tax documents. Every paycheck includes a simple breakdown of hours, taxes, deductions, and more.

Transaction records

Get a clear record of your debit card activity, so you can track your transactions.

Paycheck splitter

Use the paycheck splitter to automatically route your paycheck into different accounts.

Time tracking

Clock in, clock out, and manage your hours at the touch of a button.

Track your money and time on the go.

Paychecks and W2s

Easily view paychecks, W2s, and other tax documents. Every paycheck includes a simple breakdown of hours, taxes, deductions, and more.

Transaction records

Get a clear record of your debit card activity, so you can track your transactions.

Paycheck splitter

Use the paycheck splitter to automatically route your paycheck into different accounts.

Time tracking

Clock in, clock out, and manage your hours at the touch of a button.

Answers to a few good questions.

What happens if I leave my job?

You can keep your Cash Accounts (i.e. your 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.

Is Gusto Wallet secure?

Yes! Your security is incredibly important to us. Activity and balances are kept completely private for your cash accounts (i.e. your savings goals and spending account). Plus, Cash Accounts are eligible for up to $250,000 of FDIC insurance.⁷

How much does Gusto Wallet cost?

As long as your employer uses Gusto and you’re using a Gusto cash account, the Gusto Wallet app and all of its features are free. Your savings goals and spending account come with no account or overdraft fees.⁵

What if my employer doesn’t use Gusto?

If your current employer doesn’t use 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!

Are Cash Accounts bank accounts? Is Gusto a bank?

Your Cash Accounts, which include your 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.

No, Gusto is not a bank. Gusto partners with nbkc bank, Member FDIC, to provide bank services, such as Gusto Cash Accounts. nbkc bank has provided checking and savings accounts in the United States for over 20 years.

Do I need the app to use these features?

Nope, you can access Gusto Wallet from your regular Gusto account. The web browser should work on both your computer and your smartphone.

What’s in it for Gusto?

One of our goals as a company is to serve modern employees like you. We offer a host of long-term and short-term financial benefits at your disposal, like 401(k)s and 529 college savings through Gusto Wallet and Cash Accounts.⁸

Ready to put your

paycheck to work?

Cash Account Annual Percentage Yield (APY) as of 11/15/22 is 3.47%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required. Based on the FDIC national rate for checking accounts as of 10/17/22 available at fdic.gov/resources/bankers/national-rates/.

Funds are generally accessible immediately, however, network disruptions may delay availability, typically no longer than 30 minutes.

The Gusto Cash Account spending account and debit card are issued by nbkc bank, Member FDIC.

With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.

The Gusto debit card can be used for free at over 37,000 ATMs in the MoneyPass Network. Gusto charges $2.50 when you use an out-of-network ATM in addition to any fees charged by the ATM or ATM operator. Please review the terms and conditions carefully.

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.

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 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/.

Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.

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