Edit bank and personal information (as an employee or contractor)

For employees

1. Sign in to Gusto.
2. Click the Job & Pay tab.
   • If you don't see the Job & Pay tab, you might be in your admin account—reference this article to switch between accounts.
3. Scroll to the "Payment Method" headline, and click edit near the right-side of the page.
4. Enter your new direct deposit information–make sure all information is accurate.

   • We'll send a test deposit to the account number entered–if we receive an error, the information may need to be updated and verified. This may take a few days.

5. Click Save.

Once the bank account has been verified, you'll be paid to the new account.

If you changed your bank account after a payment has already been processed, it may go to the previous account. Reach out to your administrator if you were not paid in the right account.

For contractors

1. Sign in to Gusto.
2. Click the Personal details tab.
3. Click edit next to Payment Method.
4. Enter your new direct deposit information.
5. Click Save.

If you change your bank account while a payment has already been processed, it may go to the previous account. Reach out to your administrator if you were not paid in the right account.

Employees can add up to 5 bank accounts for direct deposit—follow the steps below to add accounts.

1. Click the Job & Pay tab.
2. Under the first listed bank account, click Add Method. 
3. Enter the new account's routing number, account number, account type, and display name.
4. Click Save.
5. Under Payment Method: Direct Deposit, click Split Paycheck.
6. Split funds into the different accounts by percentage or flat dollar amounts.
7. Click Save.

Note: We currently don't support multiple bank accounts for contractor payments.

Heads up—updating your address may impact your income tax liability and health premiums. If you have benefits managed by:

• Gusto - our team will update your insurance carriers with your new address.
• A third party - contact your employer or broker to have them update your address on file.

For employees

1. Go to the Personal details section.
2. Scroll to "Home Address" and click Manage Home Address.
   •  The address must be a United States address and cannot be a PO box. 
3. Click Add Address or Edit to update your home address details.
   • Add: You are moving to a new address. You can add your expected move-in date as well.
   • Edit: Your address is incorrect and needs to be changed.
4. Click Save.

For contractors

1. Go to the Personal details section.
2. Scroll to the "Address" headline and click edit.
   • Your business address will be used when reporting your 1099 annual tax form to the government—make sure it's accurate.
3. Enter the address and click Save.

At this time, Gusto doesn't support adding a mailing address in addition to a home address.

Still need help?

Contact your employer—they can help update a current or previous home address or change your work address. 

Calculate your new Federal tax withholdings

1. Gather your most recent paystub (and your spouse’s, if you’re filing jointly), your most recent tax return, and info for any other sources of income. 
2. Calculate your new withholdings by using the IRS withholding calculator or filling out the W-4 worksheet by hand. 

For more help calculating your withholdings, check out our blog for step-by-step info or read the IRS FAQs. For personal tax advice, consult a CPA or licensed tax advisor.

Enter the new Federal withholding in Gusto 

1. Sign in to Gusto. 
2. Go to the Job & Pay section.
3. Scroll to "Federal taxes” and click edit.
4. Enter your federal filing status.
   • If you choose "Exempt from withholding," Gusto won't withhold federal income tax from your wages. All taxable wages will still be reported on your W-2.
     • You’ll also be required to sign a new Federal W-4 every year by February 15 confirming that you’re exempt from federal withholding tax.
5. Fill in the additional fields if applicable.
   • For guidance on how to withhold according to your exact situation, use your results from the IRS withholding calculator or refer to the instructions on the W-4 worksheet.
6. Click Save.
7. Click Sign Document and sign your new W-4 form.
   • You can also review and sign this form later in your Documents section. 

Your changes will take effect the next time your employer runs payroll. On or after the check date, view your paystub and review your withholdings under “Employee Taxes Withheld.” 

Recertify your tax exemption status each year

1. Sign in to your Gusto employee profile before February 15 of each new calendar year. 
2. Go to the Job & Pay section.
3. Scroll to the "Federal taxes" section and click edit.
4. Confirm your current filing status.

• If you continue to select "Do Not Withhold," Gusto won’t withhold federal income tax from your wages. All taxable wages will still be reported on your W-2.

Fill out the remaining fields.

Click Save.

Click Sign Document and sign your new W-4 form.

Change your state tax withholdings 

1. Sign in to Gusto. 
2. Go to the Job & Pay section.
3. Scroll to the "State taxes" section and click edit.
4. Enter your state filing status.
   • If you choose "Do Not Withhold," Gusto won’t withhold state income tax from your wages. All taxable wages will still be reported on your W-2.
5. Fill out the remaining fields.
6. Click Save.

Your changes will take effect the next time your employer runs payroll. On or after the check date, view your paystub and review your withholdings under “Employee Taxes Withheld.” 

Ultimately, when you get paid depends on when your employer ran payroll (for employees) or processed your payment (for contractors). Gusto cannot share in-flight payment details with employees or contractors before the pay date–you must reach out to your employer with questions if there is not a paystub already in your Gusto account for the payment in question.

Once you've confirmed with your employer that they've run the payroll/payment through Gusto, use the information below to help troubleshoot missing payments. 

• If you're an international contractor with payment issues, have your employer reach out to us from the Help section of their Gusto account.

For direct deposits

After your employer submits payroll, we’ll electronically send any payments processed as direct deposit—on payday, you'll get an email from Gusto and your paystub will be available in your account. After the banks receive our electronic payment, they have until 5 pm local to make funds available to you in your bank account.

• Payment processing speed is unique to each employer—contact your admin directly for questions about your specific check date. Gusto cannot answer questions about in-flight payments until the actual payday (check date). 

For check payments

Your employer is responsible for sending or manually distributing the check to you—check your paystub in Gusto to determine how your employer processed the payment (via direct deposit or check).

Troubleshooting payment issues

If you don't see the money in your account on the pay date and believe there’s a delay with your payment, follow the steps below to troubleshoot:

1. Make sure you're in the correct account.
   • If you have multiple Gusto accounts you can easily switch to a different profile.
2. Check if your payment method is set to direct deposit. 
   • If you’re set up for a check payment method, your employer should issue you a check for your net pay (the money won't appear in your bank account if you were set to be paid by check). 
   • Even when direct deposit information is set up in your profile, your employer has the option to process the payment as a check—view your paystub in Gusto to determine if your employer processed the payment as direct deposit or as a check.
3. Verify that your bank account information is correct.
   • Check your bank account transactions and look for the $0.01 test credit from Gusto.
     • If you don’t see the test credit within 1-2 business days after adding your bank information, your bank information may have been entered incorrectly.
   • If the bank routing or account number is incorrect:
     • [Employees] Update your bank info.
       • If you decide to delete the bank account (rather than update the existing one), you’ll need to add a new bank account and then contact us from the Help section of your account in order to resend the payment.
     • [Contractors] Update your bank info.
       • If you decide to delete the bank account (rather than update the existing one), you’ll need to add a new bank account and then contact us from the Help section of your account in order to resend the payment.
   • If you recently changed your bank account, your payment may have been sent to the previous account. 
     • Check your previous bank account’s transaction history to see if funds were deposited there.
       • If you no longer have access to the old account, first contact us to obtain the ACH trace ID for the payment, then contact your bank to have them track down the payment.
4. Sign in to your bank account or contact the bank directly to check if there are any pending payments (credits) incoming.

Still need help?

Contact your administrator with any questions or issues. 

• Ask about the expected payment date.
• Ask them to confirm the payment method (direct deposit or check).
• Review bank account details.
• Review payment details (as needed).

If your employer is unable to help, they can contact us from the Help section of their admin account—our team is able to provide more explicit details about in-flight payments or any errors to admins.