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Gusto Cash Accounts fee schedule

Gusto Cash Accounts, including spending accounts and saving goals, are demand deposit accounts that are designed to help employees save automatically and spend confidently. Each account comes with a routing and account number.

The schedule below lists the fees and limits associated with Gusto Cash Accounts:

Fee Type 

Gusto Cash Accounts

Overdraft Fee


Minimum Balance Fee


Monthly Account Service Fee


ACH Bank Transfer Fee


ACH Withdrawal Limit $5,000/day
ACH Deposit Limit $1,500/day

New Debit Card Fee


Debit Card Replacement Fee


Foreign Transaction Fee


*Gusto reimburses the 1% transaction fee that is applied to any foreign transactions

ATM Fee (in-network)

Find a fee-free, in-network ATM


ATM Fee (out-of-network)

*Gusto charges a $2.50 out-of-network ATM fee in addition to any fees charged by the ATM or ATM operator.

ATM Withdrawal Limit


Daily Spend Limit  $2,000/day

*The Gusto Cash Account, savings goals, spending account, and debit card are issued by nbkc bank, Member FDIC

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