Gusto Wallet
Make your paycheck work harder with Gusto Wallet.
Access your pay earlier¹ and get a Gusto Debit Card² to spend and budget with ease. It’s all seamlessly connected to your paychecks so you have more control over your money.
This benefit is only available to employees paid through Gusto – find it in your Gusto app.
Want to use a web browser? Log in to Gusto.
Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank.
Gusto Debit Card
A simpler way to spend your paychecks.
Keep your pay within Gusto and spend it as soon as it’s available with a Gusto Debit Card.² It’s a secure way to pay for rent, bills, dinner, or any other daily expense.
Budget tools: Set a budget for necessities like housing, food, and transportation, and track how your spending stacks up each month.
Mobile wallet: Add your card to Apple Pay® or Google Pay™ for an easier and faster way to spend.³
Safe and secure: Quickly lock your card in the app if it’s lost or stolen.
No upfront costs: The Gusto Debit Card is a free benefit – there are no account fees, overdraft fees, or minimum balance requirements.²
Faster paydays. Easier access.
The Gusto Debit Card is designed to help you use your paychecks as soon as possible.²,³ Get paid faster, move money in seconds, and stay in control – effortlessly.
Early pay
Expedite your paychecks.
When you deposit your paychecks with Gusto, you can receive them up to 2 days early on your Gusto Debit Card.¹,² Keeping your pay with Gusto is not only simple – it’s faster.
Seamlessly connected: Track, review, and receive your paychecks all in one place. Designed to help you budget and gain more control over your money.
Flexible access: Once your paycheck is available, you can spend it with your Gusto Debit Card, transfer it to another bank account, or access cash at over 37,000 fee-free ATMs.²
FDIC-insured: Your money is held in a Gusto Spending account with banking services provided by nbkc bank, Member FDIC.⁴
On-Demand Pay
Get advances between paydays.
When you need to cover the unexpected, you can access advances through On-Demand Pay, powered by Clair.⁵ There’s no interest or hidden fees – and it’s all available in your Gusto app.
Quick access: Advances are available within 2-3 business days fee-free, or instantly for a flat fee per advance.⁶
Peace of mind: Simply enable On-Demand Pay and use it only when you need it. There are no subscription fees or extra apps to manage.
Easy to use: You can request and manage On-Demand Pay directly through your Gusto app. And repayments are handled automatically when you get paid.⁷
Savings goals
Set goals and save automatically.
Automatically tuck a little money away every time you get paid and earn higher Annual Percentage Yields than the national average.⁸
Create up to five Savings goals⁹
Change your contribution anytime
Transfer to your Spending account instantly⁹
Flexible access
Your money, your way.
Your pay stays safe with Gusto and is always accessible – no matter how you choose to use it. From everyday expenses to emergency transfers, it’s built to fit your life.¹⁰
Spend it with your Gusto Visa Debit Card⁴
Access cash at 37k+ fee-free ATMs⁵
Get paid up to 2 days early³
Put it away in a Savings Goal²
Get started
Download the app to access Gusto Wallet – it’s everything you need to manage your pay, spending, and savings in one place.
The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
1 With a Gusto Spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.
2 The Gusto debit card (issued by nbkc bank pursuant to a license from Visa U.S.A. Inc.) can be used for free at over 37,000 ATMs in the MoneyPass Network. There is a $2.50 charge when you use an out-of-network ATM for Gusto Spending account transactions, in addition to any fees charged by the ATM or ATM operator. At the end of each month, Gusto Wallet Premium users will receive a refund to your Gusto Spending account for one (1) $2.50 charge per month for out of network ATM fees. Additional information is available here. Please review the terms and conditions carefully.
3 Funds are generally accessible immediately, however, network disruptions may delay availability, typically no longer than 30 minutes. Apple, Apple Pay, the Apple Logo, iPhone and App Store are registered trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
4 FDIC insurance is provided by nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. Any balances you hold with nbkc bank, including but not limited to those balances held in Gusto Spending accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Gusto Spending accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.
5 All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank.
6 If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee per advance to your Gusto Spending account at the time of disbursement. For instant advances to an external debit card, $4.99 will be deducted from each Advance. Instant Transfers typically occur in seconds, but may take up to 30 minutes.
7 The Gusto On-Demand Payment account is issued by nbkc bank, Member FDIC. Upon enrollment with Clair, this account will be opened. Upon taking an advance, your direct deposit settings will be updated. On payday, a portion of your paycheck equal to your advance amount will be deposited into your On-Demand Payment account to repay your advance. Please see your agreement with Clair and/or Pathward, N.A. for other accounts they may debit and/or other repayment options in connection with On-Demand Pay by Clair.
8 Based on the FDIC average national deposit rate for interest checking as of 6/20/2025 available at https://www.fdic.gov/regulations/resources/rates/.
9 The Gusto Savings goals and Gusto Spending account are issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. The Gusto Savings goals and Gusto Spending account Annual Percentage Yield (APY) as of April 8, 2025, is 1.00%. The Gusto Wallet Premium Account APY is 2.00%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required. Based on the FDIC average national deposit rate for checking accounts as of April 21, 2025 available at https://www.fdic.gov/resources/bankers/national-rates.
10 Debit card instant transfer is an optional service where you can link a debit card to transfer funds from your Gusto Cash Accounts. Instant transfers to a supported debit card will incur a 1.75% fee of your total transfer amount ($0.30 minimum fee, $35 maximum fee). You can avoid this fee by selecting transfer availability in 1-3 business days. Exact fee is disclosed at time of transfer. Funds are generally accessible immediately, however, network disruptions may delay availability, typically no more than 30 minutes.
For Vermont residents: THIS IS A LOAN SOLICITATION ONLY. GUSTO, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
