What is Clair?
A: Clair is an instant pay app that allows United States-based employees to get paid for the hours they work each day. Humanity Scheduling users who sign up for Clair will also receive spending and savings accounts with no hidden fees, a Mastercard® Debit Card with free withdrawals at 55,000 in-network ATMs, and smart tools to help them save. Banking services are provided by Pathward, N.A., Member FDIC.
Why should I sign up for Clair?
A: Clair is a faster way to get paid than the current weekly or bi-weekly payroll cycle. When you sign up for Clair, you can choose to get paid for the hours you work each day. That means that if you earned $100 on Monday, you can get a portion of that at the end of your shift. It’s also a great way to prepare for an unexpected expense or that moment when a bill is due a few days before payday. When you sign up for Clair, you’ll receive Spending and Savings accounts, held at Pathward, N.A., an FDIC-insured institution. Your accounts come with no hidden fees, so you’ll never have to worry about paying for membership fees, inactivity fees, or overdrafts. You’ll also receive a Mastercard® Debit Card that you can use to spend or withdraw your daily earnings.
How do I set up Clair?
Open Humanity's iOS or Android mobile app, sign in to your account, and click on the Clair widget in the dashboard tab or click on the Clair banner in the Time Clock tab.
Note: If you can't see the Clair widget or the Clair banner, your manager/company has opted out of participation in this integration.
Click “Get Started” and follow the instructions on the screen to sign up for Clair.
Follow the steps on the app to sign up for an account. Your debit card should arrive in 8-12 days, but you can use your virtual card to start shopping online or via Apple Pay, Google Pay, or Samsung Pay.
Switch your Direct Deposit to your new Spending account by entering your account and routing number into your HR or payroll system. As soon as we receive your first paycheck, you can start getting paid every day!
How do I get paid every day?
A: It’s easy to get paid every day! Here’s how the process works:
You must set your Spending Account as your primary direct deposit account with your employer. Once you receive your first paycheck into your Spending account, you’ll start seeing the amount on the “Earned Wages” box on the home screen go up after you clock out of work.
Whenever you need to get paid, tap on the “Earned Wages” box, enter the amount you want to advance, and it will be instantly transferred onto your account.
·When your next paycheck comes in, Clair will deduct any amount you advanced from that paycheck. Clair will never charge you interest, tips, or late fees for any advances.
To maintain eligibility for this feature, you must meet the following criteria:
You must set your Spending Account as your direct deposit account with your employer, and have received a paycheck within the last pay period
You must not have any outstanding debts to Clair from a prior pay period
You should have activated your debit card
If you don’t meet any of these criteria, Clair may switch off your access to the wage advance feature until you meet the criteria again.
What is the amount of money available to me via instant pay based on?
A: Clair takes the number of worked hours Clocked In & Out as well as Time Sheets in Humanity app into account when calculating the available amount of money.
Is my money safe?
A: All your money is held at Pathward, N.A., Member FDIC. Clair partners with them to ensure that it remains safe and accessible to you. We also use bank-grade security and encryption to protect your personal information and data at all times.
What happens if I overdraft my account?
A: Your account does not have overdrafts enabled and you will never be charged fees for trying to withdraw or spend more than your current balance. If you try to use more than your current balance, your transaction will simply be declined.
What do I get when I sign up for Clair?
A: When you sign up for Clair, you’ll be given everything you need to take control of your finances:
Early access to your earnings. Access your income at the end of each workday instead of every two weeks.
A Mastercard debit card with free cash withdrawals at over 55,000 ATMs. That’s probably 5x as many ATMs as your current bank!
Spending and savings account with no high or hidden fees: that means no maintenance fees, no service fees, and no overdrafts. Check out our fee schedule for more information.
If you have additional questions, the Clair Support team is glad to answer all of them: https://support.getclair.com
[DISCLOSURES]
The Clair Debit Mastercard can be used for no-fee withdrawals at ATMs in the Allpoint network. Fees may apply for ATM transactions outside this network.
Clair is a financial technology company, not a bank. Clair spending is a demand deposit account established 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. While wage advances are free, specific other transaction fees and costs, terms, and conditions are associated with the use of this account.
Standard data charges may apply