There are a few possible reasons why your transaction may have been declined, even if you have money in your Spending Account. 

  1. The money was in your Savings Account, but not your Spending Account. Your Clair Debit Mastercard® only takes money out of your Spending Account. Make sure to add the money into your account by clicking on the dark blue ➕ icon in the Home tab of your Clair app.* 

  2. You put in the wrong PIN code. If you tried to withdraw money or make a purchase but it did not go through, be sure to try again to ensure that you didn't just accidentally enter the wrong PIN code. Note that if you enter the wrong PIN code three times, your card will be locked as a precautionary measure, and you will need to call us up to unlock it for you.

  3. You've put in money, but it has not cleared yet. If you transferred money from another account, it can often take up to 1-3 business days for that payment to reflect on your account. To check if the payment has cleared, make sure it shows up on the Home tab of your Clair app.

If you're still having trouble, get in touch with us (See "How do I contact Clair").

*Standard data charges may apply.

Bank Services provided by MetaBank, N.A., Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International.