Varo Bank, N.A. 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.

Questions? Contact Varo Bank at [email protected] or call 1-877-377-8276. Varo Bank N. A. PO Box 108, Draper, UT 84020

*We 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). 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.

**There 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.

***Varo accounts opened before October 1, 2020 can make Varo to Varo transfers only to other Varo accounts opened before October 1, 2020. Varo accounts opened after October 1, 2020 can make Varo to Varo transfers only to other Varo accounts opened after October 1, 2020.

^Early access to direct deposit funds depends on timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

^^To qualify for a Varo Advance your account must be at least 30 days old with a balance of $0.00 or greater, with qualifying direct deposits in the Varo Bank Account and/or Varo Savings Account of at least $1,000 over the past 31 days. Your Varo Bank Account and/or Savings Account must not be overdrawn, and your Varo Bank Account cannot be suspended or closed. For $20 Advances, your qualifications will be evaluated daily. For Advances over $20, fees apply, and your payment history and qualifications will be reviewed monthly for any credit limit increases. To continue to qualify for Advances, payments must be made timely. Here’s more information on qualifying direct deposits and fees.

^^^Annual Percentage Yield (APY) is accurate as of October 1, 2021. All Varo Saving Accounts earn 0.50% APY. APY is variable and is subject to change. No minimum balance required to open account. Balance in Savings must be at least $0.01 to earn interest. To earn 3.00% APY, the Varo Savings Account must meet these requirements: Account Holder must receive total qualifying direct deposits of $1,000 or more to a Varo Bank Account or Varo Savings Account in each Qualifying Period. The Qualifying Period is defined as the 1st day of the calendar month through the last business day of the month. In addition, the Varo Bank Account and Varo Savings Account balances must not drop below $0.00 on any calendar day of the month, and the daily balance in the Varo Savings Account at close of business on each calendar day of the month must not exceed $5,000.