**Gusto Showcase returns!** Nearly 75 small improvements that add up to big progress.

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.

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.

## This Showcase, we sweat the small stuff

When you run a business, every detail counts. We spent the last few months building nearly 75 improvements that add up to big progress for your team.

## 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.

### 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

### 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

> “On-Demand Pay has definitely put me in a better space… I’m not as stressed when it comes to paying bills when I’m in a bind.”  
> Dominic R.

## 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

## 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 ATMs²**  
**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.