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
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.
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