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No Monthly Fees.

Early Payday.1

Looking for an online checking account? Get a Varo Bank Account today.

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Start Getting Paid Early.

  • Set up direct deposit to get your paycheck up to two days before your co-workers.¹

  • When you get your paycheck early, you can pay bills early too.

Stop paying so many fees

  • No ATM fees at 40,000+ Allpoint® ATMs.²

  • No monthly maintenance fees.

  • No foreign transaction fees.

  • No minimum balance requirement.

Get a card that works as hard as you.

  • Instantly lock your card in the app and get automatic account alerts.

  • Visa® Zero Liability guarantees you won’t be held responsible for unauthorized charges on your debit card.³

Send or receive money with Zelle.⁴

  • Use Zelle® right from your Varo app. Pay your rent. Split the cost of a bill.

  • Varo and Zelle® make it easy, fast and free to send and receive money.

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Get up to 6% Cashback with Perks.⁵

  • Put more money back in your pocket.

  • Get special cashback deals with purchases from brands you already use.

  • You can use your Varo Bank debit card on eligible purchases to rack up real cash.

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Save money effortlessly.

  • Open a high-yield savings account with automatic savings tools.

  • Save every time you spend with Save Your Change.

  • Save every time you earn with Save Your Pay.

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Stay safe and sound

  • We’ll never sell your data, and we protect it with powerful encryption and secure processes.

  • Deposits are FDIC insured to at least $250,000 through Varo Bank, N.A., Member FDIC, in the event of a bank failure.