# Support your team’s financial health well beyond payday.

Smart paycheck management with the Gusto app

Automatic short-term savings built right into payday

Long-term savings accounts for your team and their families

## The Gusto app puts your team in control of their money.

Now your employees can download the free Gusto app to view and manage their paychecks, save money, and build healthy spending habits.

**Auto saving**  
Build a rainy day fund or set up specific savings goals.

**Smart spending**  
A debit card and checking account that earns interest.

**Better budgets**  
Tools and insights to manage monthly spending.

**Paychecks & W-2s**  
Simple breakdowns of every paycheck and access to W-2s.

> “My employees love the product and use it to save for the bad times. Luckily, no one has had to use their savings goals money yet, but they love the peace of mind.”  
> Levi Brooks  
> CEO, Use all Five

## Offer your team even more ways to save and plan.

Planning for the future is important. That’s why we provide options and guidance to help your team plan and save with confidence.

**401(k) retirement savings**  
Help your team prepare for the future with simple, low-cost, low-fee retirement savings.  
[Explore 401(k)](/content/product/benefits/retirement/401k-plans/index.html)

**Life & disability insurance**  
Life, short-term, and long-term disability insurance.

## Take care of both their health and their wealth.

Taking care of your team means contributing to both their health and their financial futures. Check out other benefits available in Gusto.  
[Explore health benefits](/content/product/benefits/health/index.html)

## Make their paychecks work harder for them.

Gusto Cash Accounts earn 16X the average interest rate of other checking accounts. And we make it easy to save automatically. No account minimums. No account fees. No overdraft fees.

- Earn 1.00% APY¹  
- Savings built into every paycheck  
- Automatic direct deposits

## Compliance help

We provide tools to assist with compliance and help you file the right paperwork.

## Licensed advisors

Our licensed advisors can help you pick the right benefits package for your budget.

## Friendly support

Your employees can reach out to us directly with questions, saving you time.

# Manage your growing team, all in one place.

Behind every successful business is a thriving team. Hire, pay, insure, and support your employees with Gusto’s all-in-one small business platform.

## Explore more Gusto Benefits offerings

- [Benefits overview](/content/product/benefits/index.html)  
- [Group health insurance](/content/product/benefits/group-health-insurance/index.html)  
- [Switching health insurance](/content/product/benefits/health/switch-health-insurance/index.html)  
- [Financial benefits](/content/product/benefits/financial/index.html)  
- [Health benefits](/content/product/benefits/health/index.html)  
- [Retirement benefits](/content/product/benefits/retirement/index.html)  
- [401k Plans](/content/product/benefits/retirement/401k-plans/index.html)  
- [Health insurance](/content/product/benefits/health/health-insurance/index.html)  
- [Benefits administration](/content/product/benefits/benefits-administration/index.html)  
- [Workers’ Compensation](/content/product/benefits/financial/workers-comp/index.html)  
- [Small business health insurance](/content/product/benefits/health/small-business/index.html)  
- [Free payroll software setup](/content/product/free-payroll-software-setup/index.html)

## Get your team working with Gusto  
[Create account](/content/invite/company/index.html)

¹Cash Account Annual Percentage Yield (APY) as of 1/3/23 is 1.00%. APY is variable and subject to change at our discretion, without prior notice. No minimum balance required. Based on the FDIC average national deposit rate for checking accounts as of 1/17/23 available at [https://www.fdic.gov/resources/bankers/national-rates](https://www.fdic.gov/resources/bankers/national-rates/).

²Some fees, such as out-of-network ATM and foreign transactions fees, may apply. Please review the terms and conditions carefully.