Gusto spending account and debit card

The Gusto spending account is an interest-bearing bank account designed to help employees seamlessly connect payday and banking, so they can access their hard-earned wages confidently and quickly.1

The spending account works like a traditional checking account, but better. If an employee chooses to set up direct deposit to their spending account, they can get paid up to 2 days faster.2 Additionally, employees can receive incoming ACH deposits (like tax refunds), set up bill pay, and link external bank accounts to transfer funds in and out. And lastly, with an APY3 of 1%, employees earn interest on the money kept in their spending account. 

After opening a spending account, employees will receive a Gusto debit card to access funds in their spending account. Gusto debit cards are mailed via USPS and should be received within 10-14 business days of opening the spending account.


1. The Gusto Cash Account, savings goals, spending account, and debit card program is issued by nbkc bank, Member FDIC.

2. Early access to direct deposit funds depends on the timing of payer’s submission of deposits. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3. Cash Account Annual Percentage Yield (APY) as of 6/24/22 is 1%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required. Based on the FDIC savings rate as of 6/21/22 available at

4. Some fees, such as out-of-network ATM fees, may apply. Please review the terms and conditions carefully.

5. The Cashout program is issued by Sunrise Banks, N.A., Member FDIC.

6. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.

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