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.

Want to use a web browser?

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 0.11% 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 0.11% 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.

Get a shiny new debit card when you set up a spending account in Gusto Wallet. Plus, earn 3X more interest³ than the national average.

Free withdrawals at 32,000 ATMs nationwide
Works with Apple Pay® and Google Pay®

And when the unexpected happens, get cash instantly.

Emergencies shouldn’t put you into debt. Use Gusto Cashout⁴ 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.⁵

How much does Gusto Wallet cost?

We’re proud to say that Gusto Wallet and all of its features are free, as long as your employer uses Gusto. Your savings goals, spending account, and access to Gusto Cashout come with no account or overdraft fees.² We know they say it takes money to make money — but not with Gusto Wallet.

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!

Is this a bank account? Is Gusto a bank?

Your Cash Accounts, which include your savings goals and spending account, are demand deposit accounts that are eligible for up to $250,000 of FDIC insurance. Gusto partners with nbkc bank, Member FDIC, to make it happen. So no, we’re not a bank. But we work with a good one to make sure your money is safe.

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 the catch? What’s in it for Gusto?

One of our goals as a company is to serve modern employees like you. Gusto already offers long term financial benefits like 401(k)s and 529 college savings — short-term financial benefits like Cash Accounts was a logical next step. And we’re proud to make it possible.

When employees do well, businesses do well, and when businesses do well, Gusto does well too.

Ready to put your

paycheck to work?

Based on the FDIC national rate available at fdic.gov/regulations/resources/rates.

Some fees, such as out-of-network ATM and foreign transactions fees, may apply. Please review the terms and conditions carefully.

Cash Accounts Annual Percentage Yield (APY) as of 5/1/21 is 0.11%. Interest rates are variable and subject to change at our discretion, at any time without prior notice. No minimum balance required. Gusto Cash Accounts, including savings goals and spending accounts, are issued by nbkc bank, Member FDIC.

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

FDIC insurance is provided by nbkc bank, Member FDIC.

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