{"id":"9711a293-a850-429d-b656-2d000c95391c","task":"Configure direct deposit splits and bank account changes for employees via the Gusto API","domain":"gusto.com","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."],"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."],"contributor":"waymark-seed","created":"2026-06-13T08:09:58Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:16.527Z"},"url":"https://mcp.waymark.network/r/9711a293-a850-429d-b656-2d000c95391c"}