Use the Benefits Card Hub

To access the Benefits Card Hub for the first time, follow the steps below to register.

If you've left your company and did not register for the Benefits Card Hub during your employment: It’s not too late to register by using the steps below. But first, contact Gusto to request your registration ID. 

1. Sign in to Gusto.
2. Click the Benefits tab.
3. Click the name of any pre-tax benefit account you currently have—FSA, HSA, DCFSA, or Commuter Benefits.
4. In the "Benefits Card Hub" tile, copy your Registration ID.
5. Click Sign In to open the Benefits Card Hub.
6. Click Register.
7. Enter your date of birth and the Registration ID you copied in Step 4.
8. Fill out the remaining fields on the next page.
9. To avoid paper statement fees, make sure to select Go Paperless.
10. A verification email will be sent to the email address you provided email. Follow the steps in the email to finish registering.
11. Finally, you'll need to verify your identity by entering the last 4 digits of your Gusto benefits card:
    • In your Benefits Card Hub, click Cards. Follow the prompts to verify your identity. We cannot bypass this step as it is a security requirement. 

Once you register for the Benefits Card Hub, you can sign in at this link or from your Gusto account.

Here's how to get there from your Gusto account:

1. Sign in to Gusto.
2. Click the Benefits tab.
3. Click the name of any pre-tax benefit account you currently have—FSA, HSA, DCFSA, or Commuter Benefits.
4. Click Sign In to open the Benefits Card Hub. 
5. Enter your username and password.

If you do not know your password or username for the Benefits Cards Hub, follow these steps to recover or update it.

1. Sign in to Gusto.
2. Click the Benefits tab.
3. Click the name of any pre-tax benefit account you currently have—FSA, HSA, DCFSA, or Commuter Benefits.
4. Click Sign In to open the Benefits Card Hub. 
5. Click Forgot password or Forgot username.
   • For Forgot password, you will be prompted to enter your username.
   • For Forgot username, you will be prompted to enter your email.
6. A code will be emailed to you. Follow the instructions in the email to recover your username or change your password.

Your Gusto benefits card will be mailed to your home address on file with Gusto after you’ve completed enrollment into a pre-tax benefit (FSA, DCFSA, HSA, or commuter). 

Once mailed, your card should arrive within 7–10 business days in a nondescript envelope from Gusto. Sign in to the Benefits Card Hub if you need to report your card lost or stolen. 

You will only receive one card even if you are enrolled in multiple pre-tax benefit accounts. The card will automatically apply expenses to the appropriate account. 

You must activate your Gusto benefits card before you can use it. You can activate it by phone or online in the Benefits Card Hub.

You'll set up a PIN during activation, but note that no vendors should require a PIN. 

Activate your card by phone

Call the number on the sticker applied to your card.

You'll be asked to provide the following information:

• Card number
• Zip code: The zip code of your home address on file with Gusto
• Date of birth: In MM/YYYY format

Activate your card online in the Benefits Card Hub

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Activate your card.

Once you’ve activated your card, you can add it to your mobile wallet. Choose your phone provider for instructions: 

• Add your card to Apple Pay
• Add your card to Google Pay
• Add your card to Samsung Pay

If you need help adding your card to your mobile wallet, contact your mobile wallet provider. 

To establish a PIN, call 877-315-3483 and select option 2.

You'll need the following information: 

• Card number
• Zip code: The zip code of your home address on file with Gusto
• 3 digits on the back of the card
• Date of birth: In MM/YY format

Note: You should not need a PIN. Always check out using the credit option. If you're prompted for a PIN, you should always try to bypass the option. Most vendors do not require a PIN to complete a transaction, even if prompted. 

You will only receive one card even if you are enrolled in multiple pre-tax benefit accounts. The card automatically applies expenses to the appropriate account.

You may be able to request a Gusto benefits card for eligible dependents. There are two important consequences to ordering a dependent card you must be aware of:

• First, your dependent will have access to all of your accounts. It’s your responsibility to make sure your dependents are only spending eligible funds. For example, you cannot use your commuting funds to pay for your dependent’s commuting expenses. 
• Second, you are responsible for managing the status of your dependent’s card. If you remove a dependent from your benefits in Gusto or no longer want them to access your account(s), you must update their card status in the Benefits Card Hub.

Here's how to request a Gusto benefits card for your dependent. 

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Click Add Card.
4. Choose your dependent.
   • If your dependent is not listed, here's how to add them: In the top-right of the page, click on your initials. Choose Manage Account, then go to Dependents.

You may need to update a Gusto benefits card if one is lost or stolen, or if you no longer wish for your dependent to have an active card. Follow the steps below to manage your cards. 

Lock a card

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Under the card you'd like to lock, click Lock Card.

Close a card

Here's how to close one of the cards associated with your account. For example, you may do this if you no longer wish for your dependent to have an active card.

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Under the card you'd like to lock, click Close Card.

Replace a card

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Under the card you'd like to replace, click Replace Card.
4. Choose your replacement reason and click Submit.

Here's how to find all the information related to your pre-tax benefits account. 

1. Sign in to the Benefits Card Hub.
2. In the left-side navigation, click My Accounts.
   • The accounts homepage displays all your accounts. You can filter by account status.
3. Click the name of any account to view more information about it. 
   
   • An account's page is where you can see your election, balance, account activity, important spending dates, and more.

You can choose to be reimbursed by check or direct deposit.

Follow these steps to set up or change your reimbursement method:

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Click the Reimbursement Options tab.
5. Choose Add Payment Method.
6. Fill out the prompts and you’re ready to start getting reimbursed.

Adding a bank account can take 2–3 business days to verify.

If you paid out of pocket for an eligible expense, you may submit it for reimbursement as long as the service was rendered during your coverage period, and the final date to submit claims has not passed. 

To submit an expense for reimbursement:

1. Sign in to the Benefits Card Hub.
2. Choose Reimburse Me.
3. Upload your receipt, bill, or explanation of benefits (EOB).
4. Review the information on the next page. If all looks correct, you can submit the request. If anything needs to be corrected, you can edit the field directly.
5. Choose your reimbursement method and submit the request.

If the information can be validated immediately, your claim will be approved on the spot. If additional review is required you will receive an email when the claim has been processed. This is typically 3-5 business days.

When you'll be reimbursed

If your claim is approved, you’ll be reimbursed using the reimbursement method you selected above.

Here's how the reimbursement is sent, based on the reimbursement method you've chosen:

• Check: A check will be mailed to your home address in a plain envelope. If the check has not been cashed, you can update your reimbursement method to direct deposit in the Benefits Card Hub.
• Direct deposit: Your chosen bank account will receive the ACH within 1–3 days. It will appear on your bank statement as “Gusto PayClaim.”

Submit an expense for reimbursement after leaving your company

If your benefit has a runout period, you may have extra time to submit claims for qualifying expenses incurred during your employment. You can confirm your last day to submit an expense in the Benefits Card Hub.

If you did not register for your Benefits Card Hub during your employment, contact Gusto for help.

If you receive a bill for an eligible expense, you can pay it via check directly from your associated pre-tax benefit account.

If you've already paid the bill and want to be reimbursed, go to the header above titled "Submit an expense for reimbursement."

Here's how to pay a bill:

1. Sign in to the Benefits Card Hub.
2. Choose Pay a bill.
3. Upload your receipt.
4. Review the information on the next page. If all looks correct, you can submit the request.

If all the required information can be identified in the receipt, your claim will be automatically approved and the payment will be made to the provider by check. If not, the claim will be manually reviewed within 3-5 business days. You will receive an email once the claim has been reviewed and processed.

Note: Checks expire after 180 days. You will receive an email if a check is about to expire. If an expiring check was sent to your provider, contact them first about the payment. 

Using your card

Once you’ve activated your Gusto benefits card, you can use your card to pay for eligible expenses. The card can be swiped at a physical location or used online.

When used online, the billing address will be the address on file in the Benefits Card Hub. 

Pre-tax benefit cards can be used for limited types of transactions. If a merchant's Visa code is not on the IRS's list of approved merchant codes, the card transaction will be denied. You'll need to pay out of pocket and then submit the expense for reimbursement from your pre-tax account. 

Keep your receipts

You should always keep the receipt for each card transaction. You may need it if the transaction is denied and you need to submit the expense for reimbursement, or if an approved transaction later requires additional documentation. 

Denied transactions

If your transaction is denied, you will receive an email (or text if you have opted in) with more information about why it was denied. If it's an issue you can resolve, you can reattempt the transaction. You can also complete the transaction using a personal card and then submit the expense for reimbursement. 

If an expense requires action, you will be notified via email. You'll also see a notification on your Benefits Card Hub homepage. Here's how to find it 

The most common expenses that will require action are FSA and DCFSA transactions. The IRS requires that some FSA or DCFSA card transactions be adjudicated with documentation to make sure they're eligible. If your FSA or DCFSA transaction requires additional documentation, you will receive an email. 

1. Sign in to the Benefits Card Hub.
2. Under "Recent Notifications," click All Notifications.
3. If an expense requires your attention, there will be a notification called “Expense Activity Update - Action Required.” Under “Actions,” click Go to page.
   • You can also find this by choosing Expense Details on the left-hand navigation bar. Then filter for expenses with a status of “Needs help.” 
4. Once you are on the expense that requires action, look under “Activities” for a note note explaining what is needed.
5. If you're prompted to provide more documentation for an expense, click Upload Document.

FSA documentation requirements

• Provider name
• The name of the facility or doctor who provided the service or the name of the store where the item was purchased.
• Patient name
• The name of the person who received the service or purchased the item.
• Dates of service
• The date(s) on which the services were performed or the date of purchase. Note: the bill date is not the same as the date of service.
• Cost of service
• The amount of the service or item after insurance payments. Receipts that indicate “estimated insurance payments” will not be approved.
• Summary of services rendered
• A summary of the service(s) performed or item(s) purchased.

DCFSA documentation requirements

• Dependent name
• This must be an eligible dependent who is listed as a claimant in your Benefits Card Hub
• Name of the service provider
• The name of the daycare, summer camp, babysitter, etc. providing the care.
• Address of the service provider
• Social Security number or tax ID of the service provider
• Date of service
• Remember that future dates of service are not eligible for reimbursement. You must wait until the service has been provided.
• Description of services received
• Cost of service 

You have 60 days from the date of a transaction to dispute it for fraud. After 60 days, the transaction cannot be disputed. If you have a transaction you need to dispute, fill out this form. 

What happens next? 

Your dispute will go through an initial review within 3-5 business days. After the initial review, if deemed eligible for dispute, a provisional credit will be applied within 5-7 business days. If the dispute is approved, the credit will remain. If the dispute is denied, the credit will be removed. In total this typically takes around 60 days.

Most of your personal information will be automatically updated in the Benefits Card Hub after it’s updated in Gusto. The only personal information you can update in the Benefits Card Hub is your email address and phone number. 

Change your email

By default, the email used for your Benefits Card Hub is the email address you have on file with Gusto. Follow these steps if you'd like to use a different email for Benefits Card Hub notifications: 

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Go to the Communication Preferences tab.
5. In the "Email" section, click Edit. 
6. Edit your email address and click Next.
7. You may be asked to enter a verification code.

Opt in to text message notifications

If you'd like to receive text message notifications for your account, add a phone number. To do so:  

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Go to the Communication Preferences tab.
5. In the "Text messages" section, click Edit. 
6. Add your phone number and click Next.

Any dependent you’ve added in Gusto for your benefits is automatically added to your Benefits Card Hub. You can also add a dependent to the Benefits Card Hub yourself. 

Here's why it may be helpful for a dependent to be listed in your Benefits Card Hub:

• When you submit an expense for reimbursement, they will show up as a claimant option.
• You may be able to issue them a card, depending on their age. 

Add a dependent

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Go to the Dependents tab.
5. Click “Add Dependent” in the “Dependents” tab
6. Enter your dependents information and click “Add Dependent”

Edit a dependent's information

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Go to the Dependents tab.
5. Find the dependent you'd like to edit and click the icon with three dots. 
6. Click Edit and enter the information. 
7. Click Save.

Remove a dependent

1. Sign in to the Benefits Card Hub.
2. In the top-right corner, click on your initials.
3. Click Manage Account.
4. Go to the Dependents tab.
5. Next to the dependents you'd like to edit, click the icon with three dots. 
6. Click Remove.

Request a benefits card for a dependent

You may be able to request a Gusto benefits card for eligible dependents. There are two important consequences to ordering a dependent card you must be aware of:

• First, your dependent will have access to all of your accounts. It’s your responsibility to make sure your dependents are only spending eligible funds. For example, you cannot use your commuting funds to pay for your dependent’s commuting expenses. 
• Second, you are responsible for managing the status of your dependent’s card. If you remove a dependent from your benefits in Gusto or no longer want them to access your account(s), you must update their card status in the Benefits Card Hub.

Here's how to request a Gusto benefits card for your dependent. 

1. Sign in to the Benefits Card Hub.
2. Click Cards.
3. Click Add Card.
4. Choose your dependent.
   • If your dependent is not listed, here's how to add them: In the top-right of the page, click on your initials. Choose Manage Account, then go to Dependents.