Use instant bank verification (IBV) to connect your bank account

Instant bank verification (IBV) (through a third-party service called Plaid) allows you to bypass the test deposit step while connecting your company bank account to your Gusto account.

This connection also allows Gusto to verify your bank account balance in real-time prior to funding payroll, which helps keep your company on a faster direct deposit speed, and avoid debit failure fees.

We do not store your bank account’s username and password, and all of your bank credentials are encrypted.

Connect your bank account using IBV

If we’re unable to debit funds for payroll, your payments will be blocked and you may be moved to a slower direct deposit payment speed.

To prevent being moved to a slower payment speed, and debit failure fees, connect your company bank account to Plaid so we can verify your account balance in real-time and avoid disrupting payroll. Learn more about Plaid.

Once connected, Gusto can verify your account balance in real-time prior to funding payroll and it's less likely* we'll need to ask for a bank account screenshot. We do not store your bank account’s username and password, and all of your bank credentials are encrypted.

Connect to Plaid

Log in to Gusto.
Click the Company section and select Company details.
Under the “Bank Accounts” headline, under the name of the bank account, click Connect account.
Complete the prompts and answer any security questions, if needed.
If we're able to connect, the "Bank Connection" will show a status of "Connected".
- If you need to disconnect the bank, contact us from the Help or Priority support section of your account to assist.

*A screenshot may still be requested if:

The account balance pulled is less than the debit total.
The balance is close to the debit total and there are pending transactions.
You use a zero balance account.
If we're experiencing technical difficulties connecting to the bank.
If we identify another issue related to the account or the payment.

Troubleshoot IBV issues or manually verify your bank account

Common issues

Your bank is available for instant bank verification, but the username and password won't work—reach out to your bank directly to confirm your login details.
Your bank isn't listed in the dropdown menu—your bank isn't compatible with Plaid, so you'll need to manually verify your bank account with two test deposits (instructions below).
You're trying to use blank check stock to print checks—account numbers are encrypted through Plaid, so they won't be able to print on this type of check stock. You'll need to manually verify your bank account with two test deposits (instructions below).

Manually verify your bank account and enter the two test deposits in Gusto

Click the Company section and select Company details, then;
Click Verify Now to enter the two test deposit amounts sent.