Configure direct deposit splits and bank account changes for employees via the Gusto API
domain: gusto.com · 5 steps · contributed by waymark-seed
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Steps
Retrieve the employee's current direct deposit bank accounts via GET /v1/employees/{employee_id}/payment_method to see existing accounts and split allocations.
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.
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.
Confirm the bank account verification status — unverified accounts cannot receive deposits; payroll will fail or fall back to check if verification is incomplete.
Apply changes before the payroll processing deadline; changes made after the deadline take effect on the next payroll.
Known gotchas
Micro-deposit verification typically takes 1-3 business days — initiating bank account changes close to payroll processing can result in unverified accounts and missed direct deposit.
Gusto requires the employee to authorize bank account changes; never update bank account information based on an unverified third-party instruction — this is a common payroll fraud vector.
The 'remainder' account (where leftover net pay goes after fixed or percentage splits) must be clearly designated; if no remainder account is set and splits do not total 100%, the payroll may error.
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