When you request an Automated Clearing House (ACH) transfer from your Gusto Retirement account, the last four digits of your account number may look different from your actual banking information. If your bank account is with Chase or PNC, this is expected. This article explains why your account number is masked and how to confirm the right information is on file.
Both Chase and PNC use a security measure called tokenization whenever you share your account information with a third-party service, like Gusto Retirement. Tokenization replaces your real account number with a unique, randomly generated token. This token enables secure transactions without exposing your actual banking details.
Once you enter your Chase or PNC banking information into your Gusto Retirement dashboard, your bank automatically tokenizes your account number. This means the account number shown on your Gusto Retirement dashboard and in confirmation emails will differ from the actual number tied to your bank account.
This does not affect your ACH transfers. Your funds will still go to the correct bank account, even though the displayed number looks different.
To make sure we have the correct information for your ACH transfer, carefully enter and verify your banking details when prompted in your dashboard.
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