This article is for employees who get paid through Gusto in the United States.
You can get paid in several different ways through Gusto. To view your paystub information, go to your Gusto profile. If you have specific questions about your paycheck, reach out to your employer.
Contractors sometimes have different payment options.
Important reminders
We send your payment to the bank account we have on file when your employer submits payroll (usually days before payday).
If you’re updating your bank account, talk to your employer to make sure you both know which bank will get the funds.
For employee direct deposits, you’ll need one of the following:
Transactional bank accounts, or
Prepaid debit cards
For more information on tracking your payments and troubleshooting payment issues, see this article.
If you have On-Demand Pay with Clair, you can find more information here.
US employees and contractors can add up to 5 bank accounts and split pay between them.
Go to the Pay section in your profile or follow the steps below.
Add or update a bank account:
Click My profile.
Go to the Pay section.
Click:
Edit to update the existing bank account.
Add payment method to add another bank.
Verify your bank with Plaid to start using it right away. It's faster than manual verification, and it lets Gusto spot and alert you to bank issues sooner.
Split pay to divide your pay between banks (if you have more than one set up)
Complete the security check (2-step code and confirm current bank). If you cannot get past this step, get help with 2-step verification.
Click Save.
Important: If you update your bank info after payroll is submitted but before payday, funds may go to your old account. Contact your employer if this happens.
You can split your money two ways:
By percentage (example: 70% to checking, 30% to savings)
By dollar amount (example: $500 to one account, the rest to another).
If you split by dollar amount, drag and drop banks to set the payment order. We pay in the order you set until all your money is sent.
Mobile app: US employees can also add or split payments in the mobile app.
We'll email you to let you know and send reminders every 3 business days. If nothing is fixed within 12 business days, your pay will go back to your company’s bank account.
We'll automatically try to resend the payment when you:
Update your existing bank information, or;
Fully remove your old bank account and add a new one.
US employees and contractors can add up to five bank accounts. You can split your pay between different banks by percentage or dollar amount.
Split by percentage:
Example: 80% to checking, 20% to savings.
Percentages must add up to 100%.
Split by dollar amount:
Example: $1,000 to checking, rest to savings.
Drag bank names to reorder them. We pay in the order you choose.
Go to My profile.
Click Pay.
Click Add payment method.
Set up payment splitting—choose percentage or dollar amounts.
When splitting by amount, you can reorder the bank accounts by clicking and dragging the bank name. We’ll pay the amounts in the order you choose until the salary has been fully distributed to the last account.
Click Save.
Employees: To add bank accounts and split payments in the mobile app
Open the Gusto mobile app.
Go to the Pay tab.
Select Edit paycheck split.
To add a new bank account, select Add account. Follow the prompts to add your account.
Enter the pay allocation you'd like.
Click Save.
Important: If you remove your only bank account, we’ll classify payrolls submitted without a bank account on file as “paper check” instead of direct deposit. Your employer will need to give you the check (unless they’re using Gusto to mail them).
To remove a bank account:
Go to My profile.
Under Information, click Pay.
Next to the bank you want to remove, click the Actions menu (three dots).
Security check: Before making changes, you might need to enter your 2-step code and confirm your current bank details.
If you cannot get past this step, this article offers help with 2-step verification.
Click Delete.
We’ll email you to let you know and send reminders every 3 business days. If do not fix the issue within 12 business days, your pay will go back to your company’s bank account.
If you update your existing bank information, we’ll automatically try to resend the payment to the new account.
If you fully remove your old bank account and add a new one, we’ll automatically try to resend the payment to the new account.
If you’re being paid by direct deposit, but want to be paid by check, you just need to remove all bank accounts in Gusto.
Learn how to add or split payments on the mobile app.
Change your payment method to check
Go to the Pay section in your profile or follow these steps:
Go to My profile.
Go to Pay.
Next to the bank account you're using for direct deposit, click the Actions menu (three dots).
Click Delete.
A pop-up will appear, and we'll text or email you a security code. Enter this code into the pop-up in Gusto.
Repeat this process for each bank account.
You'll be paid by check moving forward (for all payrolls submitted after this change was made), and that check should come directly from your employer.
In Gusto, employees can get 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.
Have your employee enter their payroll card's routing number and account number in their Gusto profile. 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.
The Serve card by American Express is a good option. It has a lower fee structure and a better user experience than other payroll cards.
Learn more or sign up on their website.
We do 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—that 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. This type of account has several benefits, 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.
Your pay date depends on when your employer sends your payroll through Gusto. Your employer will always be the best first resource for questions about your pay. We cannot answer questions about when you will be paid, how much you will be paid, or why a payment looks different than expected. We can help with technical issues, like updating your bank account or troubleshooting a missing direct deposit after payday.
Non-US (international) contractors: If you have payment issues, ask your employer to message us through their Gusto account.
Your employer submits payroll to Gusto
Gusto sends direct deposit payments electronically to your bank
You get an email from Gusto on payday
Your paystub shows up in your account (learn where you can find them in Gusto in this article)
Banks have until 5 PM local time to put money in your account
Important: Each company has different payment speeds. Ask your employer about your specific pay date. Gusto cannot answer questions about payments until your actual payday.
Your employer is responsible for giving you or sending you your paper check. Check your paystub in Gusto to see if you’re being paid by direct deposit or check.
If you do not see money in your account on payday (allow until 5pm local time), or you believe there’s a delay, follow these steps:
Make sure you’re signed in to the right Gusto profile. If you have multiple accounts, try switching to a different one.
See if you’re set up for direct deposit in your profile.
Note: Even if you have direct deposit set up, your employer can still choose to pay you by check.
Look at your paystub in Gusto to see if you’re getting paid by direct deposit or check.
If it says "check," your employer should give you a paper check. The money will not appear in your bank if you’re paid by check. Your employer is responsible for delivering your check.
Make sure your bank details are correct:
Look for the test payment:
Gusto sends a $0.01 test payment when you add bank info
You should see this within 1-2 business days
If you do not see it, your bank info might be wrong
If your bank info is wrong and we received a bank error when trying to deposit funds:
We’ll email you to let you know and send reminders every 3 business days. If nothing is fixed within 12 business days, your pay will go back to your company’s bank account.
We’ll automatically try to resend the payment when you:
Update your existing bank information, or;
Fully remove your old bank account and add a new one
If your bank info is wrong and we did not get an error trying to deposit funds:
Banks can take up to three business days after the check date to report an error. We need to wait for this response before we can help fix the issue.
After three business days, if you still need help, message us from the section of your account.
If no error is reported after three business days, we can share the ACH Trace ID. You can give this ID to your bank to help track and reconcile the payment.
If you recently changed banks:
Check your old bank account for the payment
If you cannot access your old account, message us from the section of your account to get your "ACH trace ID" (payment tracking number)
Then call your bank to help find the payment
Sign in to your current bank account or call your bank. Ask if there are any pending payments (credits) coming to your account.
Contact your employer first. Confirm:
Your expected pay date
Your payment method (check or direct deposit)
Your bank account details
Payment details
If your employer cannot help, they can message us from the section of their admin account. Our team can give them detailed information about your payment or any errors.
Q: When will my direct deposit arrive?
A: Banks have until 5 PM local time on payday to put money in your account.
Q: Why don’t I see my payment?
A: Confirm if you see a paystub in your account. If you don't, first reach out to your employer. If you do see a paystub, check your payment method. If you are being paid by direct deposit, check your bank account details.
Q: My bank info changed. What do I do?
A: Update your existing bank information in Gusto. Updating your bank account information allows us to quickly send your failed payment to the correct bank account the next business day.
If you fully remove your old bank account and add a new one (after getting a bank error):
For US employees: We’ll automatically try to resend the payment to the new account.
For all other users: You need to message us from the section of your account to resend your payment.
Q: Who do I contact for help?
A: Contact your employer first. If they cannot help, they can contact Gusto support for you.