Taking an advance, a step-by-step guide.
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.