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.
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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
Gusto Wallet mobile app image

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

Gusto Wallet puts your paycheck, spending account, and savings tools all at your fingertips.
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Gusto Wallet mobile app ui image

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
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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
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Gusto Wallet app
Gusto Wallet app Gusto Wallet app

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.

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Gusto Wallet paycheck image
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.

Track your money and time on the go.

Answers to a few good questions.

1
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/.
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Funds are generally accessible immediately, however, network disruptions may delay availability, typically no longer than 30 minutes.

3
The Gusto Cash Account spending account and debit card are issued by nbkc bank, Member FDIC.
4
With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.
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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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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.
7
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/.
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Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
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