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.
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Set goals and save automatically.

Automatically tuck a little money away every time you get paid and earn 0.05% APY¹ with no account or overdraft fees.²
  • Create up to five savings goals
  • Change your contribution anytime
  • Transfer to your spending account instantly
Gusto Wallet mobile app image

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.
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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 0.05% APY¹ with no account or overdraft fees.²
  • Create up to five savings goals
  • Change your contribution anytime
  • Transfer to your spending account instantly
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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 1.7X more interest¹ than the national average
  • Free withdrawals at 32,000 ATMs nationwide²
  • Works with Apple Pay® and Google Pay™⁵
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Gusto Wallet app
Gusto Wallet app Gusto Wallet app

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.

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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
Spending accounts Annual Percentage Yield (APY) as of 10/1/21 is 0.05%. 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 9/20/21 available at fdic.gov/regulations/resources/rates.
2

There are no fees associated with Cashout to a Gusto spending account. The Gusto spending account may have fees such as out-of-network ATM and foreign transactions fees. Please review the terms and conditions carefully.

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.

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.
5
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.
6
The Cashout Program is issued by Sunrise Banks, N.A., Member FDIC. The Sunrise Banks, N.A. Privacy Policy can be found here.
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FDIC insurance is provided by nbkc bank, Member FDIC.
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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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The Gusto spending account may have fees such as out-of-network ATM and foreign transactions fees. Please review the terms and conditions carefully.
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