Based on our experience, we found Gusto.com to have very bad and questionable business practices along with unhelpful customer service. We decided not to use them and within an hour of signing on, we tried to delete our account, and, incredibly, they would not allow that. We did NOT approve them adding or withdrawing a micro amount. We did NOT press the link on their site giving approval to access our bank account, but they accessed our account anyway even though we explicitly did not give approval. That was a huge breach. We would NEVER trust them with our payroll and we are lamenting that we had thought to give them a try. Terrible experience. If you sign on with them and then decide to not use them, they will not allow you to fully delete your account and will insist on keeping access "indefinitely." Beware of this company for payroll and do a lot of due diligence before signing on with them.