Clair+Gusto Wallet: Taking an Advance
If after taking your advance you choose to pay for an instant transfer1, your advance should be immediately2 available in your Gusto Spending account3. If you do not pay for an instant transfer, your advance will be deposited in your Gusto Spending account within 2 to 4 business days.
All Advances are originated by Pathward®, N.A.
1If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee. This instant transfer fee will be charged to your Gusto Spending account at the time of disbursement.
2Instant Transfers typically occur in seconds, but may take up to 30 minutes.
3The 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.
With On-Demand Pay, you can request between $50 and $200 of your earned wages per advance. The amount eligible to advance depends on the amount of wages accrued and other eligibility criteria. You can only have one outstanding advance at a time. If you repay your advance early, you can request another during the same pay cycle.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
If you're seeing $0 available in your app despite having worked shifts, there are a few different things that can cause this. To be eligible for an advance:
● You must have accrued at least $50 in eligible earnings. (link to “How are my earnings calculated?”) Any accrued amount below $50 will display as $0 in the app. Once you reach the $50 threshold, your available balance will be visible if all other criteria is met.
● You must have an open Gusto Wallet Spending account in good standing.
● You must have received at least 2 paychecks from your employer. ● You must have at least 1 confirmed paycheck since signing up for Clair.
If the above criteria are all met and you are still unable to see an advance available, please feel free to reach out to Clair’s support team for our Gusto-partnered customers by emailing ondemandpay@getclair.com
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.
Once an advance has been processed, it cannot be canceled. However, you can repay the advance immediately after receiving the funds in your Gusto Spending account.
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.
You can take an advance anytime after reaching the minimum $50 accrual threshold, up until your employer confirms your paycheck when they submit payroll.
Important Timing Considerations:
● Taking an advance the day before your paycheck deposits may result in automatic repayment the very next day as the qualifying earnings are only eligible for advance until your employer pays out that pay period.
● If you need funds a day before payday, you can still take an advance, but consider using the instant transfer* option.
● After repayment occurs, you'll need to accrue a minimum of $50 before becoming eligible for another advance.
Our Recommendation: To avoid unexpected repayment timing, we suggest not taking advances a day or two before your scheduled payday unless absolutely necessary.
*If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee. This instant transfer fee will be charged to your Gusto Spending account right after disbursement. Instant Transfers typically occur in seconds, but may take up to 30 minutesOnce an advance has been processed, it cannot be canceled. However, you can repay the advance immediately after receiving the funds in your Gusto Spending account.
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.
In order to upgrade to instant transfer*, you will need to contact Clair’s support team that services Gusto-partnered accounts to check if this option is available for your current advance. Simply email this team at ondemandpay@getclair.com for support. You can also contact us by clicking the “Contact Clair Care” button within your Gusto Wallet app.
*If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee. This instant transfer fee will be charged to your Gusto Spending account right after disbursement. Instant Transfers typically occur in seconds, but may take up to 30 minutes.Once an advance has been processed, it cannot be canceled. However, you can repay the advance immediately after receiving the funds in your Gusto Spending account.
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.
Within your On-Demand Pay experience powered by Clair, you can become eligible for higher maximum advance limits.
Here are the tiers and how you can qualify:
● Core: You can qualify for up to a $100 advance limit by signing up for a Gusto Wallet Spending account.
● Plus: You can qualify for up to a $150 advance limit by signing up for a Gusto Wallet Spending Account and have at least partial direct deposit set up going into the Gusto spending account.
● Premium: You can qualify for up to a $200 advance limit by setting up direct deposit of at least $500 over a 45-day period to your Gusto Spending account and/or Savings goals account
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.
Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
