Gusto Direct Deposit Late or Missing

How to fix it

Try these in order — the most common fix is first.

1. 1. Wait until 5 pm local time on payday

   Copy steps
   1. Gusto says banks have until 5 pm local time to post the funds
   2. Look at the pay statement to confirm the payment method is direct deposit and not check
   Did this fix it? Yes No

2. 2. Check the account on file

   Copy steps
   1. Employee signs in and opens bank details (Edit bank and personal information)
   2. Confirm routing and account numbers and that the account is verified
   3. Until a new account is verified Gusto uses the bank elections already in place
   Did this fix it? Yes No

3. 3. Admin: check payroll timing

   Copy steps
   1. Confirm the submission date and speed on the payroll
   2. Check for a failed debit or a bank error email, which can slow your speed
   Did this fix it? Yes No

4. 4. Ask about faster pay

   Copy steps
   1. If payroll is late, the employee may qualify for Same-day Pay or Instant Pay; employers cannot enable them
   2. Otherwise contact Gusto support with the employee name and pay date
   Did this fix it? Yes No

Symptoms

An employee did not get paid on payday, the money has not hit their account or it went to an old account.

Why it happens

• Company submitted after the 4 pm PT cutoff or chose a slower speed
• Payday fell on or right after a federal bank holiday
• Employee's new bank account is not yet verified, so an older account is used meanwhile
• Employer paid by check instead of direct deposit
• Bank error, or the company was moved to a slower speed after a failed debit

This guide also covers

• gusto direct deposit late
• gusto direct deposit not received
• when does gusto direct deposit hit
• gusto direct deposit time

Other Gusto errors

• Gusto Payroll Not Processing
• Gusto Bank Verification Failed or Pending
• Gusto Failed Debit or Payroll Debit Fee
• Gusto Tax Notice From IRS or State Agency
• Gusto Tax Filing or Payment Failed
• Gusto W-2 or 1099 Not Showing
• Gusto Can't Log In or 2FA Not Working
• How to Cancel Gusto Subscription