Money shouldn’t just work for some of us.
It should work for all of us
“I love Varo and highly recommend it to anyone looking for an awesome bank.” -Sean A.
With Varo, there’s nothing stopping you from getting ahead. Joining Varo is free, safe, and easy. Our Bank Account has:
No credit check
No minimum balance
No monthly fees
No overdraft fees — we help you spend only what you have1
55k+ fee-free Allpoint ATMs in places you already shop at: Target, CVS, and Safeway2
“I absolutely love Varo and the freedom it gives me in having control!” -Lindsay T.
“With direct deposit I get so many more perks I don’t get from other banks.” -Jason C.
Set up direct deposit and get rewarded with benefits that help stretch your paycheck, grow your money, improve your credit, and more.
“We get paid up to 2 days early now so we don’t have to wait until Friday!” Alex C.
Make your money go further and get breathing room for your everyday needs.
• With direct deposit, get your paycheck up to 2 days early4
• Borrow up to $100 when you need it with Varo Advance5
• Access exclusive offers and cashback
“Varo is my Mom Superpower! I was able to easily set money aside and earn lots of interest.” -Sharon S.
Put your money to work. Varo gives you easy ways to save for the future.
• Get one of the best rates for your hard-earned money. With direct deposit and a few other requirements, you can earn more than 50x the national average6
• Save your pay: Choose how much of your pay to automatically put into your Savings Account
• Save your change: Round up every transaction to the nearest dollar and save the difference in your Savings Account
© 2022 Varo Bank, N.A. All Rights Reserved
Member FDIC.
The Varo Visa® Debit Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.
1We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). This could also include preauthorized ACH transfers that are scheduled, recurring and/or pending but have not yet settled. If your account balance remains negative, activity will be evaluated and your account could be closed. Even if you have a negative balance, we will not charge you an overdraft fee.
2There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash withdrawal fee assessed by Varo Bank for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may charge an additional fee.
3Individual offers may vary. Automatically get cash in your Varo Bank Account every time you reach $5 in cashback. Cashback available on specific items or services purchased with your Varo Debit Card and Varo Believe Card at select brands. Offer details may vary, see the Perks tab for more details and current deals. The maximum Cashback that can be earned is fifty dollars ($50 USD) per calendar month.
4We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.
5Varo Advance is a small dollar line of credit. An “advance” is a loan deposited to your Varo Bank Account which must be repaid. Qualifications apply. A Varo Bank Account is required to receive a Varo Advance.
6As of June 21, 2022, as found on fdic.gov/regulations/resources/bankers/national-rates.