Employees and contractors can switch from check to direct deposit for free.
US employees can also set up multiple bank accounts in their profile.
Contractors can learn how to update their payment method in this article.
Admins can also make this change by following the steps below. For info on payment speeds, check out this article.
To help prevent fraud, we recommend that your employee updates their own bank info in Gusto. They might need to confirm their old account before adding a new one.
Employees can:
Switch to direct deposit
Add up to 10 bank accounts
Split payments between accounts
To set up direct deposit for an employee in your web browser:
Go to People.
Click the employee’s name.
Go to Pay.
In Payment Methods, click Add Method.
Enter:
Routing number
Account number
Account type
Display name
Click Save.
To set up direct deposit for an employee in the Gusto mobile app:
Open the Gusto mobile app and sign in.
Go to the People tab.
Tap the employee’s name.
In the top-left corner, tap the Work menu and select Pay.
In the Payment section, tap Add payment method.
Enter the bank information and tap Save.
Note: Gusto will send a test deposit to verify the bank account. If there’s an error, the account information may need to be updated. This can take a few days. We may also ask your employee to e-sign a direct deposit authorization form.
Once verified, the employee will be paid by direct deposit on each payroll submitted after it is verified.
Contractors can switch from check to direct deposit. To help prevent fraud, we recommend that your contractor updates their own bank info in Gusto. They might need to confirm their old account before adding a new one.
To set up direct deposit for a contractor in your web browser:
Go to People.
Click the contractor’s name.
Under Information, click Payment.
In the Payment card, click Add payment method.
Enter the contractor’s bank details:
Routing Number
Account Number
Account Type — checking or savings
Display Name — a label that helps you recognize the account later
Check the box to accept Gusto’s terms and conditions and confirm you verified the bank details with the contractor in person or over the phone.
Click Save.
To set up direct deposit for a contractor in the Gusto mobile app:
Open the Gusto mobile app and sign in.
Go to the People tab.
Tap the contractor’s name.
In the top-left corner, tap the Work menu and select Pay.
In the Payment section, tap Add payment method.
Enter the bank information and tap Save.
Important: Prepaid debit cards cannot be used.
We will pay the contractor by direct deposit on payments you submit after we verify the bank account.
To change the payment method for a dismissal payroll, read this article.
Employees can use the Gusto mobile app to access a Gusto spending account and a Gusto debit card.
If there’s a payment problem, review the expected payment timelines and troubleshoot bank errors.