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, banking, savings, and access to emergency funds all at your fingertips.

Set goals and save automatically.

Automatically tuck a little money away every time you get paid and earn 1.0% APY¹ with no account or overdraft fees.²

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

It's your money. You decide where it goes.

Gusto Wallet puts your paycheck, banking, savings, and access to emergency funds all at your fingertips.

Set goals and save automatically.

Automatically tuck a little money away every time you get paid and earn 1.0% APY¹ with no account or overdraft fees.²

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

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 33X more interest¹ than the national average
Free withdrawals at 32,000 ATMs nationwide²
Works with Apple Pay® and Google Pay™⁵

And when the unexpected happens, get cash instantly.

Emergencies shouldn’t put you into debt. Use Gusto Cashout⁶ to access money in a pinch — it'll be repaid from your next paycheck automatically.

Funds are available instantly with your Gusto debit card.

Learn more about Cashout

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 — both for your cash accounts (i.e. your savings goals and spending account) and Gusto Cashout. Plus, Cash Accounts are eligible for up to $250,000 of FDIC insurance.⁶

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.⁸

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, along with Gusto Cashout and Cash Accounts.⁷

Ready to put your

paycheck to work?

Spending accounts Annual Percentage Yield (APY) as of 6/24/22 is 1.0%. Interest rates are variable subject to change at our discretion, at any time. No minimum balance required. Based on the FDIC national rate as of 6/21/22 available at fdic.gov/regulations/resources/rates.

There are no fees associated with Cashout to a Gusto spending account.

Cashout to an external bank account has fees up to $5 per transaction, but may be less depending on your loan. Fees are either $5 or 36% Annual Percentage Rate (APR) of the loan amount, whichever is lower, and does not vary across the loan term. So for example, an employee that has a $500 loan with 7 days until payday would pay 36% APR of the loan amount ($3.45) since that is smaller than $5. In this scenario the total repayment amount would be $503.45. An employee that has a $500 loan with 14 days until payday would pay a $5 fee (26.07% APR) since that is smaller than 36% APR of the loan amount ($6.90). The total repayment amount would be $505.

The Cashout Program is issued by Sunrise Banks, N.A., Member FDIC. The Sunrise Banks, N.A. Privacy Policy can be found here.

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.

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.

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

There are no account or overdraft fees associated with the Gusto Cash Account spending account. 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.

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