No monthly fees. Early payday.₁

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

varo card and phone with varo app

Get more from your money with a Varo Bank Account

Get more from your money with a Varo Bank Account

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.

Stop paying so many fees

No ATM fees at 55,000+ Allpoint® ATMs.²
No monthly maintenance fees.
No foreign transaction fees.
No minimum balance requirement.

Get a card that works hard

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

phone with varo app

phone with varo app

Get up to 15% Cashback with in-app purchases using Perks⁴

Enroll into Varo Perks
Put more money back in your pocket with special deals from brands you already use, like Grubhub and Walgreens.
Rack up real cash with all your in-app purchases through Perks.

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.

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.

© 2022 Varo Bank, N.A. All Rights Reserved

Member FDIC.

The Varo Bank 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.

1 We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

2 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.

3 You must notify Varo immediately of any unauthorized use.

4 Individual offers may vary. 15% cashback available on specific items or services purchased in-app. The maximum Cashback that can be earned is fifty dollars ($50 USD) per calendar month. Check the Varo Perks tab for more info and current deals.