There are a few different ways you can receive payment from your employer through Gusto. Use the dropdowns below to learn more about these options. Head to this article to learn how to view your paystubs.
For bank account changes, keep in mind that we'll send funds to the bank account that was on file at the time your employer processed payroll. We can only accept transactional bank accounts or prepaid debit cards for employee direct deposit.
If you don't see the Job & Pay tab, it might mean you're a contractor and have different payment options.
If you're set up for a check payment method, you can change this to direct deposit from your Gusto account.
You'll be prompted to sign a Direct Deposit Authorization form. You can find this form for future reference in the Documents section of your account.
Once the account has been verified, you'll be paid via direct deposit on future payrolls that haven't already been processed.
Once the bank account has been verified, you'll be paid to the new account.
If you changed your bank account after a payment has already been processed, it may go to the previous account. Reach out to your administrator if you were not paid in the right account.
Employees can add up to 5 bank accounts for direct deposit—follow the steps below to add accounts. At this time, we don't support multiple bank accounts for contractor payments.
You'll now be paid by check on future payrolls. Your employer is responsible for distributing the check to you.
In Gusto, employees can be paid through payroll cards, also known as prepaid debit cards. At this time, payroll cards are not supported for contractors and we do not offer Gusto-specific payroll cards.
How to use a payroll card with Gusto
Have your employee enter their payroll card's routing number and account number in their Gusto profile, and we'll deposit funds directly on the card every pay period. If their card is lost or stolen, have them add a new card or bank account information and delete the old card.
Where to get a payroll card
A good payroll card is Serve card by American Express. They have a lower fee structure and better user experience relative to other payroll cards.
Learn more or sign up on their website.
Gusto Spending Account—an alternative option
Gusto does not offer payroll cards (prepaid debit cards), but we do offer the option for employees to apply for a Gusto Spending Account1—a personal checking account—which comes with a debit card2.
Unlike a payroll card, a Gusto Spending Account is a personal bank account that an employee must apply for directly. There are several benefits to this type of account, but approval is not guaranteed.
1. The Gusto Cash Account, savings goals, and spending account are issued by nbkc bank, Member FDIC.
2. The Gusto Debit Card is issued by nbkc bank pursuant to a license from Visa U.S.A. Inc.
After you've entered your account and routing number for direct deposit payments, we'll verify your bank account with a one cent test transaction.
Once the bank account information is updated, we'll automatically resend any payments to the updated direct deposit account in the next few business days.
After your employer submits payroll, we’ll electronically send any payments processed as direct deposit—on payday, you'll get an email from Gusto and your paystub will be available in your account. After the banks receive our electronic payment, they have until 5 pm local to make funds available to you in your bank account.
Your employer is responsible for sending or manually distributing the check to you—check your paystub in Gusto to determine how your employer processed the payment (via direct deposit or check).
If you don't see the money in your account on the pay date and believe there’s a delay with your payment, follow the steps below to troubleshoot:
Contact your administrator with any questions or issues.
If your employer is unable to help, they can contact us from the Help or Priority support section of their admin account—our team is able to provide more explicit details about in-flight payments or any errors to admins.