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“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
55k+ fee-free Allpoint ATMs in places you already shop at: Target, CVS, and Safeway*
“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 early^
• Varo Advance gives you instant cash, up to $100^^
• 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.
• Varo offers one of the best rates for your hard-earned money. With direct deposit, you can qualify for up to 3.00% Annual Percentage Yield on a balance as low as a penny^^^
• 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
© 2021 Varo Bank, N.A. All Rights Reserved
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
*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 March 23, 2021. All Varo Saving Accounts earn 0.20% 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 make at least five Varo Visa® Debit Card purchases in each Qualifying Period and 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.
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