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Get started with Clair

The banking app that pays you before payday

Choose to receive your paycheck on your Clair Spending Account to get started today.

Clair is a financial technology company, not a bank. Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A.

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On-demand pay

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Clair Debit Mastercard®

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Easy banking app

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Instant Transfers

On-Demand Pay

Clair On-Demand Pay

Instantly access up to 50% of your gross earnings whenever you need it. The best part? We'll never charge you for a wage advance.

How it works

Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. Standard data charges may apply when using the Clair App.

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Instant Transfer
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New debit card

Clair Debit Mastercard®

Spending on your new virtual or physical debit card is a breeze with no monthly fees and 40,000 in-network ATMs.

Learn More

Banking services provided by Pathward, N.A., Member FDIC.

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Employees at over 12,000 businesses across all 50 states are using Clair

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Easy banking app

Clair Banking App

View account balances, take wage advances, or transfer money out with a simple, easy to use banking app.

Learn more

Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. Standard data charges may apply when using the Clair App.

Clair for businesses

For employers

Support the financial well-being of your staff.

Get started

For HR Tech

Transform your offering with on-demand pay.

Partner with us
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What employees think of Clair

Charlie can always pay for daily expenses

Daren feels stress-free in his daily life

Malaun loves getting paid after her shift

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I had an emergency trip to take home and I was able to access to my pay and get the money early!
Josiah S
Clair has really helped me get through tough times due to rising cost of food and gas and I have definitely used your app more frequently then I thought I would. I really enjoy Clair and it has been a Godsend.
Danielle H
So happy someone out there has found a better way than the traditional 2-week payroll system.
Hunter W
My lifestyle and situation right now perfectly fits with Clair. It’s so convenient and helps you in a bind. I switched to Clair from a bank I have been using almost a decade. Worth it!
Rich W
Clair is somewhere that’s safe for me. I can take care of my family, my bills, my finances, and it’s secure for me.
Willie J
Amazing customer service that seems to continue getting better and better with time! Congrats on being my absolute FAVORITE banking app! (and I’ve had many over the course of some 25+ years!)
Omid S.
Clair is a chance for me to exhale, because I don’t have anyone to ask for help. You guys are a breath of fresh air and I know that I have something to hold onto. Clair gives me peace of mind
Malaun B
It’s been motivating for me to work more hours because of the immediate compensation; the cash back* incentive has made me want to use my new debit card a lot; and still getting my regular payday check (less the advances) A DAY SOONER than usual has been so helpful!
Brenda H
I needed a wage advance to help with my 4 year old niece’s surgery. I received the money right away, after I clocked out. Thank you Clair!
Sacsha S
Absolutely best bank account I’ve ever had. I love it! Getting paid right after I work is the absolute best – I get kept up on my bills easier!
Martin W
This is great for “fun” money. You can pay bills with your bank account, but this is my little secret... I love it! -
Paula G
Clair has been such a life saver for me. The fact that I have so much access to my own income eliminates so much stress. I love it.
Zahir A
I love having access to pay I’ve already earned without waiting til payday.
Kim C

Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. Standard data charges may apply when using the Clair App.
Clair is a financial technology company, not a bank.

You all have given me [wage] advances when I needed them! You have also given me the chance to receive my paycheck a day earlier than the actual payday.
Jalissa M
I had an upcoming vacation. I hadn't saved up as much as I would've liked to, and it definitely saved me from having to dip into savings because I could just pull from my wages.
Logan L
So happy someone out there has found a better way than the traditional 2-week payroll system.
Hunter W
I love Clair, helps me with just the little bit I need to get by until payday or a bit more if it is needed.
Jennifer H
I think the service is amazing. It has really helped me when I’ve encountered financial issues by allowing me to have access to a portion of my pay before payday.
Amanda L
I love the [wage] advance feature. It is a pain switching all my auto pays to a new bank account but overall it is worth it.
Victoria H
It's nice to be able to get access to some of my money between paydays.
Mariann S
It’s been motivating for me to work more hours because of the immediate compensation; the cash back* incentive has made me want to use my new debit card a lot; and still getting my regular payday check (less the advances) A DAY SOONER than usual has been so helpful!
Brenda H
The app is very reliable and very informative. It’s easy to use and understand.
Juan C
I am very happy with it. Customer service is amazing, the card is beautiful, and my fridge thanks her every month.
Jacopo F
It’s easy to use and straight to the point. I love that the most.
Mad H
Clair has been such a life saver for me. The fact that I have so much access to my own income eliminates so much stress. I love it.
Zahir A
I love having access to pay I’ve already earned without waiting til payday.
Kim C

Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. Standard data charges may apply when using the Clair App.
Clair is a financial technology company, not a bank.

FAQs

Do I have to pay to take a wage advance?
Why do I need to update my direct deposit to use Clair?
What do I have to do to use Clair?
Can I use Clair if I don’t want to update my direct deposit?
How do I know if my employer offers Clair?
How do I get started if I don’t have a code to open the Clair app?

Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A.

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Who we are

Clair is a mission-driven company that aims to offer financial freedom to all Americans.

Learn more about us
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Clair is somewhere that’s safe for me, I can take care of my family, my bills, my finances, and it’s secure for me.
John Doe
My lifestyle and situation right now perfectly fits with Clair. It’s so convenient and helps you in a bind. I switched to Clair from a bank I have been using almost a decade. Worth it!
John Doe
So happy someone out there has found a better way than the traditional 2-week payroll system.
John Doe
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Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward®, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A.
*Cash Back is an optional rewards program offered by Clair. It is not a Pathward, nor Mastercard product or service nor does Pathward, or Mastercard endorse this program.
** The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.

© 2023 Clair, Inc. All rights reserved.

NMLS number 2324313

Standard data charges may apply.