Configure direct deposit splits and bank account changes for employees via the Gusto API

Steps

1. Retrieve the employee's current direct deposit bank accounts via GET /v1/employees/{employee_id}/payment_method to see existing accounts and split allocations.
2. Add or update bank account details via the appropriate Gusto endpoint — accounts are typically verified via micro-deposits or Plaid bank verification before becoming active.
3. Configure a deposit split by setting each account's allocation type (percentage, fixed dollar amount, or remainder) and amount; the allocations must sum to 100% of net pay.
4. Confirm the bank account verification status — unverified accounts cannot receive deposits; payroll will fail or fall back to check if verification is incomplete.
5. Apply changes before the payroll processing deadline; changes made after the deadline take effect on the next payroll.