No fees.
Yes early payday.*

Get a real online checking account that actually helps.

22,000+ 5-Star App Reviews
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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.

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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.

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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.

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Save up effortlessly

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

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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.

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Happy, human, and helpful customer service

Your Utah-based Varo Customer Service team is available seven days a week.

Email: help@varomoney.com

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.