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Gusto Cash Accounts fee schedule

Gusto Cash Accounts are free, high-interest1 demand deposit accounts that are designed to help employees save automatically and spend confidently.

The schedule below lists all fees associated with Gusto Cash Accounts:

Fee Type 

Gusto Cash Accounts

Overdraft Fee


Minimum Balance Fee


Monthly Account Service Fee


ACH Bank Transfer Fee


New Debit Card Fee


Debit Card Replacement Fee


Foreign Transaction Fee


ATM Fee (in-network)


ATM Fee (out-of-network)


ATM Withdrawal Limit


Daily Spend Limit  $2,000/day

Based on the FDIC savings rate as of 12/28/20 available at

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