The Scenario
You are a finance controller. Q1 just closed. Before you sign off on the books, you need to reconcile the company bank statement against every ACH transaction Gusto processed in Q1 — payee name, amount, status, and date.
You need the full ACH transaction history in an Excel workbook so your team can match each line to the bank feed.
The slow version:
- Log into Gusto and look for an ACH transaction export
- Find that Gusto does not have a single "ACH export" button
- Download payroll reports and contractor payment reports separately
- Open both in Excel
- Manually combine and label which are ACH transactions
- Filter for Q1
- It is April 10 and the books are still not closed.
The fast version is one prompt.
The Easy Way: One Prompt in SheetXAI
SheetXAI pulls the ACH transaction data from Gusto and writes it into the workbook in the format you need for bank reconciliation.
Open the SheetXAI sidebar and type:
Export all Gusto ACH transactions from January through March into this Excel sheet: columns transaction ID, payee, amount, payment date, status. Sort by payment date ascending.
SheetXAI calls Gusto, pulls the ACH transaction history for Q1, and writes the results into the workbook. Sorted by date. Ready to reconcile against the bank statement.
What You Get
A clean ACH transaction ledger in Excel:
- Transaction ID — the Gusto ACH transaction identifier
- Payee — employee or contractor name, human-readable
- Amount — the transaction amount
- Payment date — the date the ACH was processed
- Status — completed, pending, or returned
One row per transaction. Open the workbook next to your bank feed and start matching. Any transaction in one that is not in the other is a reconciliation item.
What If the Data Is Not Quite Ready
ACH reconciliation data has its own complications.
When you need to flag returned ACH transactions separately
Returned transactions appear in the bank feed as credits and need separate handling.
Fetch all Gusto ACH transactions for Q1. Write transaction ID, payee, amount, payment date, and status to this workbook. Separate returned transactions into a "Returned" section at the bottom. Sort all other transactions by date ascending.
When you need to group transactions by week for cash flow analysis
Your CFO wants weekly ACH outflow totals for Q1, not just a raw line-by-line list.
Fetch all Gusto ACH transactions for Q1. Aggregate by calendar week — write week ending date and total ACH amount to a Summary section at the top. Below, write the full transaction detail with transaction ID, payee, amount, date, and status. Sort detail rows by date.
When you need to match transactions against bank statement entries
You have the bank statement imported into the BankFeed tab (column A = date, column B = amount, column C = description). Match each Gusto ACH to its bank entry.
Fetch all Gusto ACH transactions for Q1 and write transaction ID, payee, amount, and date to this workbook. Then attempt to match each transaction to a row in the BankFeed tab by date and amount. Write "MATCHED" or "UNMATCHED" into a Reconciliation column. List all unmatched rows at the bottom as reconciliation items.
When you need a complete Q1 cash disbursement view — ACH plus all other payment methods combined
Your controller sign-off requires every cash outflow from Gusto in Q1, regardless of payment method.
Fetch all Gusto ACH transactions from Q1. Then fetch all Gusto contractor payments from Q1 including non-ACH methods. Combine into one disbursement ledger with payment method, payee, amount, and date. Flag the payment method for each row. Sort by date ascending. Add totals by payment method at the bottom.
The pattern: instead of pulling separate reports and merging them in Excel, you describe the complete disbursement view and SheetXAI assembles it in one prompt.
Try It
Get the 7-day free trial of SheetXAI and open a blank workbook, then ask it to pull your Gusto ACH transactions for the quarter. The Gusto integration is included in every SheetXAI plan. For related workflows, see how to export payroll receipts for financial reconciliation or the Gusto in Excel overview.