Clair is a digital banking app that is connected to payroll and time and attendance systems. Clair offers wage advances to eligible US-based employees who are at least 18 years old and who have a direct deposit sent to their Clair Spending Account.
Here’s what it looks like behind the scenes:
Clair is a financial technology company, not a bank. Banking services provided by Pathward®, N.A., Member FDIC. Advances provided by Pathward, N.A.
To sign up, make sure that your company offers Clair. We work with over 20,000 businesses across the United States through our partnerships with many payroll, scheduling, and time and attendance companies.
To become eligible for On-Demand Pay, you need to set up direct deposit to your new account. This way, you’ll be able to pay back your advances automatically when your paycheck hits your Clair Spending Account.
After your first paycheck is deposited to your Clair Spending Account, you’ll be eligible to start taking wage advances!
After work everyday, up to 50% of your daily gross (pre-tax) earnings will be available for you to advance. You can keep advancing up to the amount of the last paycheck that you received in your Clair Spending Account. The maximum that you can advance in any pay period is $1,500.
Here’s how you can access your funds:
Using your Clair
Debit Mastercard®
Using your virtual Clair Debit
Mastercard by connecting
it to online apps
Using your phone’s
mobile wallet
For free to any bank account
within 1 to 3 business days
Instantly to any major debit card
(fees apply)
At 40,000 in-network ATMs‡
Using cash back at the register
of many major retailers
‡ The Clair Debit Mastercard can be used for no-fee withdrawals at U.S. ATMs in the Allpoint network. Fees may apply for international ATM transactions or transactions outside of this network.
2% APY High-Yield Savings
Account**
Instant transfers to other debit cards
3% Cash Back* on gas and groceries (requires employer participation)
Friendly customer support,
7 days a week
We believe that nobody should have to pay a fee to access their own money – which is why we aim to keep wage advances free forever.
We make money through Mastercard! Whenever you spend on your debit card, we get a portion of the fee that Mastercard collects from merchants for processing the transaction.
Banking Services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account.
Clair is a financial technology company, not a bank. Banking services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A.
