Your available advance is calculated as follows: 

● You accrue 50% of your gross pay, based on the dollar amount of your most recent paycheck and the number of days in your Gusto pay period. 

● Your maximum available advance amount is limited by your membership tier. (link to “Tiered limit increases and how to get them.”) 

● Any earnings beyond your tier's maximum limit will not increase your available advance amount.

 Important Notes:

● Accrued amounts under $50 will display as $0 in the app.

 ● Once you reach $50 in accrued earnings, the app will show your available balance. 

● Accrual continues until you reach your tier's maximum limit. 

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.