You can take an advance anytime after reaching the minimum $50 accrual threshold, up until your employer confirms your paycheck when they submit payroll. 

Important Timing Considerations:

● Taking an advance the day before your paycheck deposits may result in automatic repayment the very next day as the qualifying earnings are only eligible for advance until your employer pays out that pay period.

 ● If you need funds a day before payday, you can still take an advance, but consider using the instant transfer* option.

 ● After repayment occurs, you'll need to accrue a minimum of $50 before becoming eligible for another advance. 

Our Recommendation:

 To avoid unexpected repayment timing, we suggest not taking advances a day or two before your scheduled payday unless absolutely necessary.

*If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee. This instant transfer fee will be charged to your Gusto Spending account right after disbursement. Instant Transfers typically occur in seconds, but may take up to 30 minutes

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.

All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.