No fees.
Yes early payday.*

Get a real online checking account that actually helps.

22,000+ 5-Star App Reviews
Varo Debit Card

Stop paying bank fees

No overdraft fees. No fees at 55,000+ Allpoint® ATMs worldwide. No foreign transaction fees. No monthly fees. And no other fees.


Forget overdraft fees

We think they’re wrong, so we don’t charge them. Once you qualify, you can overdraw your Varo Bank Account up to $50 with no fees or interest charges.


Start getting paid early

Get your paycheck up to two days early* with direct deposit. Your money will be automatically deposited into your Varo Bank Account and you can pay bills sooner.


Save up effortlessly

Use automatic savings tools. Earn money with a high-yield Varo Savings Account. No minimum balance requirement and no fees.


Stay safe and sound

Deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC.

We’ll never sell your data, and we keep it safe with powerful encryption, access control, and secure processes.


Happy, human, and helpful customer service

Your Utah-based Varo Customer Service team is available every day except federal holidays.


Call: 1-800-827-6526

Apply for a Varo Bank Account today!

It won’t impact your credit score.

Varo is Awesome 👌

I love everything about Varo. It’s simple, no fees that I’ve seen yet, automatic savings, free withdrawals from savings.

💜 Direct Deposit 💜

I love how I can get my direct deposit a day or two in advance because some of my bills are due before Friday. This is a major plus.

Surprise! 😎

It’s been one great surprise after another. I love using this card to give to the cashier cause I get compliments every time!

All Rights Reserved by Varo © 2019

Varo Money, Inc. | NMLS #: 1547251 | Licenses | NMLS Consumer Access

*Early access to direct deposit funds depends on timing of 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.

Bank Account Services provided by The Bancorp Bank. Your deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC. The Varo Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.

See the Varo Bank Account and Varo Savings Account Agreement for terms and conditions.