Gusto Direct Deposit Pending? Meaning, Causes & Fixes
Gusto direct deposit pending? Learn what pending means, how long it lasts, common reasons for delay, and what to do if payment doesn’t arrive.
PAYROLL PLATFORMS
Alex Morgan
1/15/20262 min read
If your Gusto direct deposit shows “pending”, it usually means your pay has been scheduled but has not yet reached your bank account. This is common and often resolves on its own.
Here’s a clear breakdown of what’s happening and what you should do next.
What Does “Direct Deposit Pending” Mean in Gusto?
In Gusto, “pending” means:
Payroll has been processed
Payment has been sent for bank processing
Funds are waiting to be deposited into your account
It does not mean the payment failed.
Common Reasons Gusto Direct Deposit Is Pending
1. Normal Processing Time
Direct deposits usually take 2–4 business days after payroll is processed.
Weekends and bank holidays can extend this timeline.
2. Bank Posting Delays
Even after Gusto sends the payment, your bank may delay posting the funds.
Some banks post deposits only during business hours.
3. First-Time Direct Deposit
If this is your first paycheck via Gusto, extra verification may cause a delay.
This is normal for new employees.
4. Payroll Submitted Close to Cutoff
If payroll was run late, deposits shift to the next banking day.
5. Incorrect or Updated Bank Details
Recent changes to your bank account or routing number can pause deposits temporarily.
How Long Does Gusto Direct Deposit Stay Pending?
In most cases:
1–3 business days is normal
Up to 5 business days during holidays or first-time payroll
If it stays pending beyond the pay date, action is needed.
What to Do If Your Gusto Deposit Is Still Pending
Check the pay date on your Gusto paystub
Wait at least 2 full business days
Check your bank account directly
Contact your employer or payroll admin if the pay date has passed
Only employers can see detailed payment status inside Gusto.
Frequently Asked Questions
Can a pending deposit fail?
Yes, but failures are usually reported later and payments are reissued.
Will I still get paid if it’s pending?
Yes. Pending usually means the money is still processing.
Does Gusto deposit on weekends?
No. Banks do not post direct deposits on weekends or holidays.
When Gusto direct deposit is pending, it’s usually a timing or bank-processing issue. Most deposits clear within a few business days. If the pending status doesn’t change after the pay date, your employer can investigate or reissue payment.
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