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Clair was designed to solve for the life moments where you need someone to have your back. We hear stories every day from people who use Clair to cover an unexpected expense, plan for a vacation, or reach a budgeting goal.  According to Bankrate's 2024 Annual Emergency Savings Report, 34% of workers in the United States say they live paycheck to paycheck, meaning they have little to no money left over for savings after paying their monthly expenses. This figure also does not account for how much of this is caused by overdraft fees and late fees. This is where Clair can help! Here are some examples of ways you can use your On-Demand Pay: Avoid Overdraft Overdraft fees can be incurred in many bank accounts when there are insufficient funds in your account and the bank covers your purchase. One way you can use On-Demand Pay is to add a buffer to your account so that any transactions that may trigger that fee are accommodated for. Having that extra amount of your pay available can prevent those fees from stacking up. Early credit card paydown Taking On-Demand Pay can also allow you to pay credit card usage sooner, saving money on interest charges and freeing up the usage for other transactions. Handling an unexpected expense Whether it’s running out of gas between paydays due to rising prices, a tooth that needs immediate attention, running to the store to grab an ingredient you forgot, or a spontaneous dinner with friends you weren’t expecting; A few clicks within your On-Demand Pay can allow you the freedom to cover these expenses without worry. Savings Planning Whether you’re planning for an upcoming vacation or trying to reach a savings goal, sectioning a portion of your money away for a specific purpose is a great way to practice good budgeting habits.  You can take advantage of On-Demand Pay to get yourself out of a debt cycle, to cover emergency expenses, add to your savings account early, or for just a little pocket money for a night out. The possibilities of how you can make your On-Demand Pay work for you are endless! Life is simple when pay is simple! FAQ How do I contact Clair? Clair support is here to help we are open Monday through Friday, 9am-8pm Eastern Standard Time. We are closed on weekends and bank holidays. You can reach us at support@getclair.com, or text-to-chat at  424-365-9619 (this line does not support phone calls). All Advances are originated by Pathward®, N.A.

Congratulations on your Clair sign up! Our mission is to give you more control over your finances, by making it simple to take an advance on the hours you have already worked. Once you have worked shifts you should be able to see the ability to apply for an advance. When you are ready to take your first advance you will see a “Confirm Eligibility” button on your home screen. You will be led through a few short steps to determine your eligibility.   Tap the “Confirm Eligibility” button and you will first be asked for your birthdate and address. This is so we can verify your identity. Next, you will be prompted to link a bank account for repayment and standard ACH disbursement. In order to get On-Demand Pay advances, you must link a valid bank account. The account is linked using a third-party service called Plaid. They are the industry standard for linking accounts safely and securely. Tip for success: Make sure the bank account you are linking is the one you have your paycheck deposit into, as this will increase your chances of being approved. Your bank account must consistently receive your payroll direct deposit with at least one paycheck in the last 30 days Once you have successfully linked a bank account, input your social security number for identity verification. If eligible, you will be able to return to the home page or take your first advance. Any time you wish to take an advance after you have passed the initial eligibility check,follow these steps: Select the amount you want to advance.  Tip for success: You can advance between $50.00 - $200.00 per pay period. Make sure to verify what you have available, if the amount you select is more than you have earned so far, your application will result in a denial. After you review and accept the terms of your advance request, you will get an approval or denial message. If approved, that’s all! Your advance will arrive in your bank account in 1-3 business days. At this point, you will also have the option to upgrade to an instant1 transfer for a $4.50 transfer fee.  Tip for success: If chosen, the instant transfer fee of $4.50 will be taken from the total amount advanced, so if you know you want an instant transfer upgrade before you take your advance you can add an extra $5 on your advance to ensure you are getting the full amount you wanted. FAQ Why does Clair verify my identity with my Social Security Number? To help the Federal Government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions and their third parties to obtain information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.  What if I left the page for instant1 transfer upgrade? Can I still upgrade to an instant1 transfer? Yes! You can upgrade an advance to an instant1 transfer by tapping on the advance from your dashboard and selecting the “Upgrade to Instant” button. Please keep in mind that this is only available while the standard transfer is in the ‘pending’ status. After the transfer is in progress, you will need to wait for the 1-3 business days for the standard deposit to settle in your linked bank account. All Advances are originated by Pathward®, N.A. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.50 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.

Exciting news! On-Demand Pay will now be offered without the need for a Clair Spending and Savings Account or a Clair Debit Mastercard®. If you are new to Clair, please check out our article on signing up for the new experience here. Your feedback has influenced a change within Clair. We are now able to offer On-Demand Pay that can be deposited directly to your preferred bank account or instant1 transferred onto your debit card. If your HR tech provider is able to support this new experience, you will be able to migrate over to the new On-Demand Pay experience after Clair fully transitions your partnered provider to our new system. There are a few small changes you will need to make in order to ensure an easy flow into the new experience. Make sure you have repaid any owed balance you have within On-Demand Pay. Switch your direct deposit to go to your preferred bank account. Transfer any funds from your Clair Spending and Savings Accounts to your preferred bank account. Make sure your email and physical addresses are up to date in the Clair app. If you proceed with the above steps, you will be fully prepared for the change to the new and better product. Once the new experience is launched for your provider, you will receive an email with additional instructions on the easy transition of your account. Please be on the lookout for that email.  Your new Clair On-Demand Pay experience will have different requirements for eligibility. Some of the requirements are: You must be actively employed with an employer who uses one of our partnered service providers for time clock data. You must be 18 or older. The account used for your On-Demand Pay must be receiving your payroll direct deposit on a regular basis (a minimum of $200 each payday deposited into the account consistently over the last 60 days). You must reside and work in the United States and in a State where we do business. Thank you for all your feedback that helped us develop this product. We are excited to align our product more with what you have been asking for! FAQ What will happen if my provider is no longer continuing with Clair because of this change? If Clair is no longer available through your provider, you will lose access to On-Demand Pay. However, Clair is continually expanding to more partners in order to make On-Demand Pay more widely available. Please keep an eye out for future products from Clair that you may be eligible for. 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. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.  If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.50 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.

We are so excited to be able to welcome you to Clair! We strive to be the best experience for wage advances for you! In order to create your On-Demand Pay profile there are only a few steps: Make sure you follow the link to your Clair experience within your partnered provider. This can be done by logging into your partnered provider’s experience and clicking the “Get paid early” link. Create your profile by entering your personal identifying information. Once you have finished signing up, you can then start applying for advances. Please keep in mind, to have the best chance at being approved, please confirm you meet these minimum eligibility requirements: You are actively employed with an employer who uses one of our partnered service providers for time clock data. You are 18 years old or older. Your bank account consistently receives direct deposit for your payroll, with at least one paycheck deposited in the last 30 days. Reside and work in the United States and in a State where we do business.  You can check your eligibility here. FAQ Does Clair perform credit checks to determine eligibility? Clair does not perform hard or soft credit checks. Your earned wages are calculated based on the hours you’ve worked, plus a combination of underwriting rules determined by Clair. All wage advances are provided through our partner bank, Pathward®, N.A. We know that credit is something that a lot of us are trying to keep stable as a part of financial wellness, and Clair does not want to affect this. All Advances are originated by Pathward®, N.A.