Legacy

Your Clair Spending Account and your Clair Savings Account are deposit accounts issued by Pathward, N.A., Member FDIC*.  Within your Clair Spending Account you may receive your direct deposit from work, pay off any credit card bills, send checks, transfer money to other banks, and access all features you can traditionally use with another deposit account.  Your Savings Account is just like what it sounds, a savings account! You can use this account to store money for the future and instantly transfer funds into your Spending Account. If you try to make a transaction on your debit card and do not have enough money in your Spending Account, we will never use money from your Savings Account to complete the transaction.  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 established by Pathward N.A., Member FDIC.  *Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

Absolutely not! Within Clair, there are several options that allow you to use the money you advance or deposit before your Clair Debit Mastercard® arrives. Such as: Virtual Clair Debit Mastercard®: This allows you to view your debit card details within the Clair app, so you can use your debit card for online bill payments like rent, utilities, subscriptions, or food delivery services. Apple Pay / Google Wallet: This allows you to link your virtual debit card to your phone’s wallet so you can make purchases at tap-to-pay locations, like gas stations or grocery stores. ACH Bank Transfer: This allows you to transfer money from your Clair Spending Account to an external account. The transfer is free, but it does take 1-3 business days to process. Instant Transfer: This feature allows you to transfer funds to an external debit card instantly for a processing fee. 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.

Through our partnership with your employer, time and attendance provider or payroll provider, we are sent the following information* to underwrite On-Demand Pay: 1. Your clock-in and clock-out times. 2. Your reported pay rate. (if your pay rate is not reported, minimum wage is used) 3. If you are an eligible salaried employee, your salary amount and pay dates. Clair is unable to make changes to or alter information provided by the partnered system. If there is a discrepancy in your hours or pay, please check with your employer first to verify the information was reported correctly to your partnered time and attendance provider or payroll provider. Advances provided by Pathward, N.A. *For additional information about reliance on information posted, please see our Terms of Service.

As part of our agreement with your employer, they can see how many employees use Clair. However, they are not able to see any details of your Clair Spending Account or make any changes. Updating your payroll allocations can sometimes be their responsibility, but you can rest assured your personal banking information is not readily available to your employer. If you are experiencing an issue with your Clair Spending account, please contact Clair Care at support@getclair.com and we will work with you to resolve your issue.  Banking Services provided by Pathward, N.A., Member FDIC.