Avoid Gusto at All Costs

If you're considering Gusto, avoid it like the plague. Our small business has used them religiously since 2022 with many issues caused by bad CS advice, but here's the straw that broke the camel's back: We had 1 returned payment of \~$500 this last week as we migrated bank accounts. Now Gusto is demanding we wire the funds in advance. Called CS, who was very nice, but explained that they are unable to do anything because their team in assurance won't take phone calls or call me back to discuss. The CS rep was extremely nice and patient with me, but the Gusto policy here is absolutely crazy. TLDR; avoid Gusto. They used to be great a few years back, but they've increasingly lost their way and it's not getting better. Edit --- it wasn't an entire payroll that got returned. It was a single ACH of $500 when we process 40x this each week in payroll with them. They then reprocessed it the next day and it cleared. Not saying I wasn't ultimately responsible, but Gusto has zero risk or liability here. They didn't process the payment and when I went to run payroll for the following week - wire required. No call, no conversation, and customer service couldn't transfer me to the team responsible to explain the situation.