Good news, Gusto Wallet is now even better! Gusto Wallet Premium is now available.1
Gusto Wallet Premium helps level up your finances by unlocking more tools to help you make the most of your paycheck.
What’s included in Gusto Wallet Premium?
Higher interest: With 2.00% Annual Percentage Yield, your money grows even faster in both your Spending account and Savings goals.2
One free out-of-network ATM use per month:3 Enjoy one, free out-of-network ATM use per month, plus continued free access at over 37,000 in-network ATMs.
Round-up savings:4 You can choose to round up your debit card transactions to the nearest dollar amount and automatically transfer it directly to your savings goal.
Increased Clair On-Demand Pay limits:5 With Premium and consistent repayments, you can unlock Clair’s highest On-Demand Pay limit of $800 per pay period.6
This is in addition to the great things that already come with Gusto Wallet, like:
Early pay—Gusto Wallet is the best way to get your paycheck up to 2 days early5 (when you direct deposit into your Gusto spending account).
Spending insights and budgeting tools to help you understand how you’re using your money.
Up to 5 savings goals to help you automatically save on every payday.
How does it work?
Set up a direct deposit from an employer that uses Gusto for payroll of at least $500 over a 45-day period to your Gusto Spending account and/or Savings goals.6
Automatically get upgraded to Gusto Wallet Premium once a qualifying direct deposit settles in your account.
Find all your great new features directly in the app.
For example, if your employer uses Gusto for payroll and you set up your direct deposit to send $500 from your paycheck to your spending account, you will be upgraded to Premium for 45 days once those funds settle. After that, any direct deposits that add up to $500 or more within 45 days will guarantee you maintain access to Gusto Wallet Premium for another 45 days. To guarantee continued access to Premium, you will need to continue to have a qualifying direct deposit to your Gusto spending account and/or savings goal(s).
Each time you meet the qualifying direct deposit requirement, you will have access to Premium for 45 days, plus a 30-day grace period. If you do not have any direct deposits totaling $500 or more to your Gusto Spending account and/or Savings goal(s) by the end of the grace period, you will automatically lose access to Wallet Premium. Additionally, if your employer is no longer using Gusto for payroll, you will be automatically unenrolled from Gusto Wallet Premium. If that happens, you’ll still have access to Gusto Wallet and retain your Gusto spending account and savings goals.
If you have more questions, contact support at [email protected].
1. Gusto Wallet Premium is only available if your employer uses Gusto for payroll. Access to Gusto Wallet Premium pricing and features is subject to certain direct deposit eligibility requirements.
2. The Gusto Savings goals and Gusto Spending account are issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. The Gusto Savings goals and Gusto Spending account Annual Percentage Yield (APY) as of April 8, 2025, is 1.00%. The Gusto Wallet Premium Account APY is 2.00%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required.
3. The Gusto debit card (issued by nbkc bank pursuant to a license from Visa U.S.A. Inc.) can be used for free at over 37,000 ATMs in the MoneyPass Network. There is a $2.50 charge when you use an out-of-network ATM for Gusto Spending account transactions, in addition to any fees charged by the ATM or ATM operator. At the end of each month, Gusto Wallet Premium users will receive a refund to your Gusto Spending account for one (1) $2.50 charge per month for out of network ATM fees. Additional information is available here. Review the terms and conditions carefully.
4. Round-up savings is applicable only when you have a balance of at least $50.00 in your Gusto Spending account. Round-up savings occur per transaction. Round-up savings are sent to the Gusto Savings goal account of your choice daily.
5. For Vermont residents: THIS IS A LOAN SOLICITATION ONLY. GUSTO, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank.
6. A Gusto Spending account can give you access to higher On-Demand Pay powered by Clair advance limits. Per pay period advance amounts may vary and are based on factors including qualifying payroll direct deposits and repayment history. Terms and conditions apply.