Citizens customers can enjoy Gusto — the top-rated payroll tool2 — free for 3 months.1

Discover why businesses love Gusto to help them simplify and take the stress out of payroll.
rated payroll software by U.S. News, NerdWallet and Business.com.2
of customers would recommend Gusto to other growing businesses.3
businesses trust Gusto's expertise for their payroll needs.4

Gusto's Simple plan covers essential single-state payroll needs — unlimited runs, automated tax filings and an employee portal. As your business grows, upgrade to features like HR, benefits and more.
You can easily get started today. If you already have payroll with someone else, check out our guide to switching. If you're setting up payroll for the first time, here's everything you need to know.
Yes. You can switch to Gusto at any time during the year. Gusto helps you import year-to-date payroll information from your previous provider to help keep your payroll records up to date and support a smooth transition.
Gusto helps you import year-to-date payroll and tax information from your previous provider to support accurate year-end reporting and filings. Our team guides you through the information needed to help make the transition as smooth as possible.
Setup time varies based on your business and payroll needs, but many businesses can get started quickly. Gusto's guided setup helps walk you through the process, and our support team is available if you have questions along the way.
Yes, we offer payroll in all 50 states. Our Simple plan is designed for single-state payroll with basic needs, while our Plus and Premium plans are built for more complex multi-state payroll. Learn more about our features and get started today.
It's a lot, including automated payroll, taxes and filings, time tracking, employee management, and more. See our full features list here.
Every Gusto plan comes with unlimited payroll runs. We'll never charge you extra for things like off-cycle payrolls.
Yes, we integrate with popular financial software, including QuickBooks, Xero, and FreshBooks, plus time-tracking, expense software, and more. See all our integrations.
We offer 3 different payroll and HR plans so you can choose the one that's right for you. You can add benefits and insurance to any Gusto plan. Check out our pricing for more info.
Nope! There are no annual contracts. You can cancel at any time.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
1 3 month free Promotional Offer includes free Gusto payroll services and excludes (a) any optional add-on services for which Gusto charges a fee, or (b) any third party services. Available to new Gusto customers only for their first 3 consecutive months. Customer must sign up for their Gusto account during the promotional period from 4/1/26 - 12/31/26. Offer period begins when customer runs payroll services for the first time. Offers will be applied to your Gusto invoice(s) while all applicable terms and conditions are met or fulfilled. Gusto reserves the right to modify or cancel an Offer at any time. Additional Terms Apply.
2 Based on Business.com Best Payroll Software for Small Business (Apr 2024), NerdWallet Best Payroll Software for Small Businesses (Jul 2025), and U.S. News payroll software reviews (Jan 2025).
3 Based on survey of 538 Gusto customers, Sept. 2024.
4 Based on Gusto customer count as of April. 2026.