The Scenario
You are a finance controller. Q1 just closed. Before you can 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 a Google Sheet 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 Google Sheets
- Manually combine them 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 sheet in the format you need for bank reconciliation.
Open the SheetXAI sidebar and type:
Fetch all Gusto ACH transactions for my company and write payee name, amount, transaction date, and status into this sheet — one row per transaction. Sort by transaction date ascending.
SheetXAI calls Gusto, pulls the ACH transaction history, and writes the results into the sheet. Sorted by date. Ready to reconcile against the bank statement.
What You Get
A clean ACH transaction ledger:
- Payee name — employee or contractor name, human-readable
- Amount — the transaction amount
- Transaction date — the date the ACH was processed
- Status — completed, pending, or returned
One row per transaction. You open the sheet next to your bank feed and start matching. Any transaction that appears in the bank but not the sheet — or vice versa — is a reconciliation item.
If you want a running total at the bottom, or if you want transactions returned flagged in red, you ask in the same prompt.
What If the Data Is Not Quite Ready
ACH reconciliation data has its own complications — returned transactions, mid-period corrections, multiple accounts.
When you need to flag returned ACH transactions separately
Returned transactions appear in the bank feed as credits and need to be handled differently in reconciliation.
Fetch all Gusto ACH transactions for Q1 and write payee name, amount, transaction date, and status to this sheet. 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 to see 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 and write week ending date and total ACH amount disbursed to a Summary section at the top of this sheet. Below the summary, write the full transaction detail with payee name, amount, date, and status. Sort detail rows by date.
When you need to match transactions against specific bank statement entries
You have the bank statement imported into the BankFeed tab, column A = date, column B = amount, column C = description. You want to match each Gusto ACH transaction to its bank statement entry.
Fetch all Gusto ACH transactions for Q1 and write payee name, amount, and date to this sheet. 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 for each row. List all unmatched rows at the bottom as reconciliation items.
When you need a complete Q1 cash disbursement view — ACH, checks, and wire transfers 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 such as checks). Combine into one disbursement ledger with payment method, payee name, amount, and date. Flag the payment method for each row. Sort by date ascending. Add a total at the bottom for each payment method type.
The pattern: instead of pulling separate reports and combining them, you describe the complete disbursement view and SheetXAI assembles it in one pass.
Try It
Get the 7-day free trial of SheetXAI and open a blank sheet, 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 Google Sheets overview.