Gusto Wallet 2.60.0

Gusto Wallet offers a range of financial tools that can benefit employees who receive their pay through Gusto. With this wallet, users can conveniently earn, save, spend, and borrow directly from their Gusto account, empowering them to take control of their financial future.

• Get early access to your funds by up to two days with a Gusto spending account*
• Set and work towards personalized savings goals with the autosave feature
• No minimum balances, account fees, or overdraft fees**
• Enjoy simple spending with a Gusto debit card
• Easily allocate your funds with the paycheck splitter
• Effortlessly view paychecks and tax documents
• Instantly clock in and out, review time sheets, and more

We understand the importance of ensuring that you have all the necessary information. Here are some legal details regarding timeframes, partners, and other relevant matters:

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. **Some fees may apply, such as out-of-network ATM and foreign transaction fees. Please carefully review the terms and conditions.

Please note that Gusto is a payroll services company and not a bank. The Gusto savings goals, spending account, and debit card are issued by nbkc bank, an institution that is a Member of the Federal Deposit Insurance Corporation (FDIC).

Funds held with nbkc bank, including those in Gusto accounts, are consolidated for insurance purposes. Deposits up to $250,000 per depositor are insured by the FDIC. If funds are jointly owned, each joint account owner is separately insured for up to $250,000. nbkc bank employs a deposit network service, which means that funds deposited into Gusto accounts may be held at other FDIC-insured depository institutions. For a comprehensive list of these institutions, please visit https://www.cambr.com/bank-list. Balances transferred to network banks become eligible for FDIC insurance once they arrive at the network bank. To learn more about the pass-through deposit insurance applicable to your account, please refer to the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.