Clair+Gusto Wallet: Getting Started
Pathward, N.A., is a federally registered financial institution. Clair partners with Pathward, N.A., to provide friendly financial services, including On-Demand Pay, which help hourly workers across the country advance a portion of their earned but unpaid wages before payday.
All Advances are originated by Pathward, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply
Clair is a mission-driven financial technology company that is working to break the traditional pay cycle by giving people access to their money as soon as they’ve earned it. Go to getclair.com to learn more. Clair is a financial technology company, not a bank.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
In order to sign up for On-Demand Pay, you must:
● Be actively employed by a business that uses Gusto for payroll;
● Have an active Gusto Spending account1, with Wallet Premium2 activated; and
● Currently be set to receive pay via direct depositClair is a financial technology company, not a bank.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
1The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
2*Your access to Gusto Wallet Premium pricing and features is subject to certain direct deposit eligibility requirements. Go here for more details.
On-Demand Pay allows eligible Gusto Wallet1 users to advance a portion of their earned but unpaid wages before payday. This financial benefit is powered by Clair, with all advances issued by Clair’s partner bank, Pathward®, N.A. Advances are repaid automatically when you get paid.
Clair is a financial technology company, not a bank. All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
1Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
Your available advance is calculated as follows:
● You accrue 50% of your gross pay, based on the dollar amount of your most recent paycheck and the number of days in your Gusto pay period.
● Your maximum available advance amount is limited by your membership tier. (link to “Tiered limit increases and how to get them.”)
● Any earnings beyond your tier's maximum limit will not increase your available advance amount.
Important Notes:
● Accrued amounts under $50 will display as $0 in the app.
● Once you reach $50 in accrued earnings, the app will show your available balance.
● Accrual continues until you reach your tier's maximum limit.
The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
