Clair is a banking app that gives you access to a portion of your earnings before payday. When you open a Clair Spending Account, held at Pathward® N.A, Member FDIC, you’ll enjoy on-demand pay with access to fee-free wage advances, an FDIC-insured* Spending and Savings account with no monthly fees, and a Clair Debit Mastercard® to spend your earnings.
Here’s what you’ll love about Clair:
- Quick and easy access: Open a Clair Spending Account and take your first wage advance in the Clair mobile app after setting up a repayment method.
- Freedom and control: You decide how much to advance from your next paycheck, up to a pre-approved amount determined by Clair** on an individual user-basis.
- Access all the banking services you need: Get access to 40,000 fee-free AllPoint ATMs†, a virtual and physical debit card, Apple Pay™ and Google Pay, savings reminders, and much more!
Learn more about Clair at getclair.com.
Note: Clair is only available to select businesses. Check with your work app, time clock, or employer for an invite before getting started.
Clair is a financial technology company, not a bank. 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.
While wage advances are free, certain other fees may apply depending on how users use their account. Standard data charges may apply when using the Clair app.
* Funds are FDIC insured, subject to applicable limitations and restrictions, when Pathward, N.A. receives the funds deposited to your account.
** Your advance rate will depend on your individual circumstances. Limits are subject to change.
† 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. Banking Services provided by Pathward, N.A., Member FDIC.
‡ 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.
We've made it even easier to access your money on Clair with our new ATM locator feature. Starting today users will gradually be able to check this feature out in the app!
Ratings and Reviews
The BEST alternative to payday loans!
Because of my random bill schedule and a small period of unemployment, I was in a cycle of falling behind. Whether it was overdraft fees or late fees or needing to take a payday loan with outrageous interest rates, i was shelling out cash to pay my bills when i got paid. When my new job offered Clair, it has been a game changer for me! I have not had a late fee since! I can always pay my bills when they are due and they don’t charge at all for borrowing from my paycheck, but they limit what I can borrow so I always have money on payday and it’s easier to keep myself aware of what I’m spending. The app is so simple too and pretty easy to navigate and I’m always learning about new little things you can see in it. My life would not be the same without this
Developer Response ,
Thank you so much for the review and your feedback. We are happy to have you, and are so grateful that Clair was able to help when you needed it!
Great Concept but no Follow Through
I have tried to use this app off and on for the past year now and it has NEVER fully worked for me. Either the advances don’t work due to my hours worked not even showing up in the app, or my hours DO show up and it just won’t let me advance at all. It’s like I’m a donkey pulling a cart and Clair is dangling a juicy carrot right in front of me and NEVER LETS ME TAKE A BITE. That’s how it feels. You build up this hope of a god send of having your paycheck early for an emergency and WHAM nope, denied, it doesn’t work. It’s heartbreaking. I was so stoked for this app when my company switched over to using it - and the concept is great. But after waiting for literal MONTHS to never hear back from the escalations team to fix my issues, I have given up and will be cancelling my account. If the advancements don’t work then there are literally no other benefits to having this account. Really so disappointed and I wish the app worked for me. If it works for you congrats 💕
Developer Response ,
We are sorry to hear that you have not had a favorable experience. We appreciate your feedback and would like to speak with you more about your experience. Please contact us at email@example.com.
I usually don’t redact my comments and I promise I have not been paid or coerced to say this but I felt compelled to, after realizing I was not only frustrated and having a hard time dealing with the issue I was having, but also the Clair care team was also affected by this truly unique situation. Nevertheless after hearing clearly that I was inconsolable they continued to work around the clock to help me personally find a solution and for that reason my trust in Clair has been restored. A+ customer care is truly one of this Clair’s core values.
Developer Response ,
*Updated Dev Response*
Thank you for working with us to help find a solution to the obstacles experienced. We're glad we could all partner together to help! We hope your experience with Clair continues to benefit your financial journey! We're excited for the road ahead!
*Original dev response*
Hi Deonte, We're sorry to hear you are having issues with logging into the Clair app. We understand it can be frustrating to troubleshoot through error messages. We have taken your feedback about the password reset function and are looking into it. Regarding dropped calls, we will continue to call back if the connection drops as we are eager to resolve this. Looking forward to assisting you.
Data Linked to You
The following data may be collected and linked to your identity:
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Maverick Payments Inc.
- 136.8 MB
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Age Rating
- © Clair
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