No monthly fees. Early payday.* Forget Overdraft Fees.

Open a new online checking account today.

30,000+ 5-Star App Reviews

Get more from your money with Varo

  • No hidden fees
  • Get paid up to two days early with direct deposit
  • Save more with a high-yield Varo Savings Account
Hand holding cash

Stop paying hidden fees

  • No overdraft fees. (See requirements)
  • No ATM fees at 55,000+ Allpoint® ATMs.
  • No monthly maintenance fees.
  • No foreign transaction fees.
  • No minimum balance fees.

Forget overdraft fees

How to qualify for No Fee Overdraft:

Make at least five qualifying Varo Visa® Debit Card purchases in each calendar month; AND receive payroll or government direct deposits totaling at least $1,000 into your Varo Bank Account or Savings Account in the same calendar month.

Once you qualify, you can overdraw your Varo Bank Account up to $50 on any transaction using your Varo Visa Debit Card.

Portrait of a male wearing glasses

Start getting paid early

Set up direct deposit to get your paycheck up to two days before your co-workers.* When you get paid sooner, you can pay bills sooner.

Hand with two fingers raised

Save money effortlessly

  • Open a high-yield Varo Savings Account with automatic savings tools.
  • Save every time you spend with Save Your Change.
  • Save every time you earn with Save Your Pay.
Mobile banking notifications from Varo

Stay safe and sound

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

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

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

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

All Rights Reserved by Varo © 2020

Varo Money, Inc. | NMLS #: 1547251 | Licenses | NMLS Consumer Access
Bank Account Services provided by The Bancorp Bank. Your deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC.

*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.

^You must notify your financial institution immediately of any unauthorized use.

Learn how we collect and use your information by viewing our Privacy Policies here.

Bank Account Services provided by The Bancorp Bank. 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.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this program.

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