Gusto simplifies payroll, paycheck management, time tracking, and savings for small businesses—making it easier to manage tasks on the go with powerful tools for both employees and employers. For business owners and payroll administrators: Payroll: Easily run regular or off-cycle payroll on the go. Time: Review and approve your team's hours and time off. Team: View and manage critical team information in one place. Onboarding: Add and onboard employees directly from the app. Notifications: Set up notifications and permissions to suit your business. For employees: Paychecks: Easily manage paychecks and route money to different bank accounts. Early Pay: Receive paychecks up to 2 days early¹ and access advances between paydays with Gusto Wallet.² Benefits: Manage your benefits or sign up for special offers. Documents: Access and sign important documents. Time: Track your hours and request time off. 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 On-Demand Pay provided by Clair. Clair is a financial services company, not a bank. All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Advance amounts may vary. Terms and conditions apply. 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. FDIC insurance is provided by nbkc bank, Member FDIC. 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 50,000 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 50,000 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/.