All earnings are added to your On-Demand Pay accrual at 5pm Pacific Standard Time. Repayments are taken when you receive your next payroll deposit into your Gusto Wallet Spending account, or 11:59pm the day of your due date, whichever comes first. 

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