At Clair, we’ve created a new approach to banking that doesn’t rely on fees, helps you get paid every day, and helps you grow your savings easily. 

Specifically, Clair is a digital banking platform that allows users to get access to a portion of the money they already worked for, as soon as they clock-out of work. The best part is that Clair does all this for free*. 

How do we do this? 

Clair has been able to bypass the pay delay of outdated, traditional payroll systems by having users: 

  1. Open a Clair Spending and Savings Account which is a deposit at Pathward, N.A., Member FDIC. When you open an account, you get a Debit Mastercard®, a Spending Account, and a Savings Account that helps you grow your savings easily 

  2. Send a portion of their paycheck to Clair each payday via a direct deposit update. With a portion of each user’s paycheck landing in their Clair Spending Account, Clair users will become eligible to start taking wage advances after every shift worked. Clair, in turn, will repay itself for the exact funds advanced— and not a penny more— automatically when the paycheck is deposited. 

After every shift, users receive a notification to let them know how much they have available in their Clair Spending Account and the total accumulated amount can be found in their Clair App. There is a cap on how much money can be advanced in-between paychecks, but the moment Clair is able to repay itself, users are able to continue wage-advancing after each new shift worked. 

The Clair App** is available on both Android and iOS. 

Why do we do it? 

Our mission is to make everyone financially free. 

Our core beliefs: 

  • Given the right tools, everyone can build a bright and independent financial future ● Finances don’t need to be complicated nor scary 

  • People fare better when nudged in the right direction

  • Employees who are financially free, are better employees 

  • Great employers offer benefits that improve their employees' lives

  • Transparency is the key to a FinTech’s success 

  • Fair financial services can be offered to everyone and be profitable 

So, what’s the catch? 

There’s no catch. When you win, Clair wins too. 

When you buy things with your Clair Debit Mastercard, Mastercard pays Clair a percentage of what they earn. This way, we don’t ever have to charge users or employers for using Clair’s services. 

Banking Services provided by Pathward, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. 

*While wage advances are free, certain other transaction fees and costs, terms and conditions are associated with the use of this account 

**Standard data charges may apply.