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Troubleshoot instant bank verification (IBV) issues

Instant bank verification (IBV) allows you to bypass the test deposit step while connecting your bank account to your Gusto account. You'll need your routing number and account number to get started. Here are the steps to verify your account with IBV. If your company has been approved for 2day payroll, you must connect your account using IBV.

Troubleshooting IBV 

  • If you can't find your bank listed in the dropdown menu, then it's not compatible and you'll have to manually verify your bank account with test deposits. 
  • If you've found your bank but the username and password won't work, reach out to your bank directly to confirm your login details. 
  • If you've connected your bank account manually and were approved to run 2day payroll after the fact, you must reconnect your account using IBV. If you can't connect because of the two issues described above, contact our team at
  • If you're running 2day payroll and you received an email from Gusto letting you know your account was disconnected, your 2day payroll will be stopped until you reconnect. You'll also see a notification on your dashboard. The most common reason this happens is maintenance changes or software updates on the bank's website. You'll need to work with your bank to identify the cause and reconnect the account to Gusto to get back on 2day payroll.