Edit bank and personal information (for US employees and contractors)

For next steps, select whether you're an employee or contractor below.

US employees can add up to five bank accounts for direct deposit. At this time, contractors cannot have multiple bank accounts.

1. Sign into your Gusto account.
2. Go to My profile.
3. Go to the Pay section. 
4. From the “Payment” card, click Add payment method to add another bank account, or Split pay to split your pay between certain banks.
   • Split funds into the different accounts by percentage or flat dollar amounts.
   • When splitting by amount, it’s possible to reorder the bank accounts by clicking and dragging the display name. We’ll pay the amounts in the order specified until the salary has been fully distributed to the last ‘remainder’ account.
5. Click Save.

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. Sign in to your employee profile.
2. Go to the Personal details section.
3. Scroll to “Home Address” and click Manage Home Address.
   • The address must be a United States address and cannot be a PO box. 
4. Click Change address. 
5. Select whether you need to correct the current address, or if you've moved to a new address.
   • Correcting an error in your current address: Edit the address and click Save.
     • Let your employer know if this is the address you'll be working from by checking the box—if you work from home, your employer will be updated of the change.
   • Moved to a new address: Enter the move-in date, the new address, and click Save. 
     • Let your employer know if this is the address you'll be working from by checking the box—if you work from home, your employer will be updated of the change.
6. Click Save.

Once you have a home address history, you can use the three-dot action menu under the “Actions” column to edit your known addresses as needed. Click Add a past address to add historical addresses.

For contractors

1. Sign in to your contractor profile.
2. From the left-menu click Profile.
3. From the Personal tab, scroll to the "Address" headline and click Edit.
   • Your address will be used when reporting your 1099 annual tax form to the government—make sure it's accurate.
4. 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.

Update your federal tax withholding elections on a computer

For personal tax advice, consult a CPA or licensed tax advisor—we cannot advise on your personal W-4 elections. If needed, additional resources can be found below the instructions. 

1. Sign in to your employee account.
2. Go to My profile
3. Go to the Taxes section
4. In the “Federal” card, click Edit.
   
   • The selections you’ll make correspond to the IRS’s Form W-4.
5. Box 1(c)–Enter your federal filing status, this is the only required field.
   • More information about the “Head of household” option can be found by clicking the question mark icon on this IRS page (next to the question itself).
   • If you select “Exempt from withholding,” we won't withhold federal income taxes, but we'll still report taxable wages on a W-2.
     • Keep in mind: Anyone who claims exemption from withholding needs to sign a new W-4 (or update their withholding in Gusto) by Feb 15 of each year—more information below.
6. Complete the optional next sections only if they apply to you—otherwise, skip these.
   • Box 2(c)–Multiple job: Answering this results in higher withholding, but to preserve privacy, this can be left unchecked.
   • Box 3–Dependent total: If your total income will be $200,000 or less ($400,000 or less if married filing jointly), add the amounts below and enter the total in Gusto.
     • Multiply the number of qualifying children under age 17 by $2,000;
     • Multiply the number of other dependents by $500.
   • Box 4(a)–Other income, not from jobs: If you want tax withheld for other income you expect this year that won’t have withholding, enter the amount of other income here. This may include interest, dividends, and retirement income.
   • Box 4(b)–Deductions: If you expect to claim deductions other than the standard deduction and want to reduce your withholding, use the "Deductions Worksheet" on page 3 of the W-4 instructions and enter the result in Gusto.
   • Box 4(c)–Extra withholding: Enter any additional tax you want withheld each pay period.
7. Click Save.
8. 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 withholding under “Employee Taxes Withheld.” 

Update your tax withholdings on the Gusto Wallet app

1. Sign in to your account on the mobile app¹.
2. In the top-right corner, select the You icon.
3. Select Tax Elections. 
4. Click edit for the sections that need to be updated.
5. Click Save. 
6. 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 withholding under “Employee Taxes Withheld.”

1.  App Store is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google LLC.

Related resources

• Form W-4 and the Form W-4 worksheet
• About Form W-4, Employee's Withholding Certificate
• IRS tax withholding estimator
• Gusto’s blog on how to fill out the 2024 W-4

Re-certify your federal tax exemption status each year by February 15

1. Sign in to your Gusto employee profile before February 15 of each new calendar year. 
2. Go to My profile
3. Go to the Taxes section
4. In the “Federal” card, click Edit.
5. 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.
6. Fill out the remaining fields.
7. Click Save.
8. Click Sign Document and sign your new W-4 form.

Update your state tax withholding elections 

1. Sign in to Gusto. 
2. Go to My profile
3. Go to the Taxes section
4. In the applicable “[State]” card, click Edit.
5. Enter your state filing status.
   • If you choose "Do Not Withhold," or in some state-specific cases, "Yes, you're exempt from withholding," Gusto won’t withhold state income tax from your wages. All taxable wages will still be reported on your W-2.
6. Fill out the remaining fields.
7. 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 withholding under “Employee Taxes Withheld.” 

If you have access to your Gusto account and want to change the email or password that you sign in with, follow the steps below from your employee or contractor profile.

• Can't get into your account? Follow these steps to troubleshoot signing in—you will not be able to change account information (like email or password) until you've successfully signed in again. 

Change your employee or contractor email address or password

1. Sign in to your employee Gusto account on a desktop computer.
   • If you have multiple profiles, learn how to toggle between those with the same email login.
2. Go to Settings from the left-menu.
3. In the “Security” section, click Change next to your email or password.
4. Enter your new email or password—you can also enter a recovery email to be used in case you lose access to your primary email. 
   • If you get the error message “Email already in use”: Contact us from the Support section of your account—we can help merge your accounts.
   • Can't get into your account? Follow these steps to troubleshoot signing in—you will not be able to change account information (like email or password) until you've successfully signed in again. 
5. Click Save.

A notification about this update will be sent to your former email address.

Learn how to manage your W-2 delivery preference or 1099 delivery preference in the linked articles. 

Important: The phone number you make available to your employer and/or coworkers, is different from the phone number you've set up for 2-step verification—learn how to change your 2-step verification number here.

For employees

1. Sign in to your employee account.
   • If you're unable to sign in, follow these troubleshooting steps.
2. Click the Personal details section.
3. Next to the “Basics” headline, click edit.
4. Add or update your phone number, then click Save.

For contractors

1. Sign in to your contractor account.
   • If you're unable to sign in, follow these troubleshooting steps.
2. From the left-menu, click Profile.
3. From the Personal tab, next to the “Personal information” title, click Edit.
4. Edit your phone number. 
5. Click Save.

Show or hide your phone number from coworkers

1. After signing in, click your profile name in the top-right of your account.
2. Click Settings.
3. Go to the Privacy section. 
4. Next to “Phone number”, click Edit.
5. Let us know if you want your phone number:
   • Hidden from coworkers, or;
   • Shown for coworkers.
6. Click Save.

Add or change your birthday (for US contractors)

US contractors can add or update their birthday in Gusto—if you're an employee, have your admin make the update for you. 

1. In your contractor profile, go to My profile.
2. From the Personal tab, next to “Personal Information”, click Edit. 
3. Edit your birthday and click Save.

Show or hide your birthday from your coworkers (for US employees and contractors)

1. Sign in to your account.
   • If you're unable to sign in, follow these troubleshooting steps.
2. Go to the Settings section.
3. Go to the Privacy section. 
4. Next to “Birthday”, click Edit.
5. Let us know if you want your birthday:
   • Hidden from coworkers, or;
     • Your manager and admins can still see it.
   • Shown for coworkers
     • We still will not show your birth year when shared with coworkers.
6. Click Save.

• Employees—Go to the Personal details section of your employee profile, and click the circle icon next to your name to upload a photo or import one from your LinkedIn.
• Contractors—Go to the Profile section of your contractor profile, and click the circle icon next to your name to upload a photo.

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 Support 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 do not 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, 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 will not 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 do not 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 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 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 Support section of their admin account—our team can provide more explicit details about in-flight payments or any errors to admins.