No monthly fees. Early payday.*

Open a new online checking account today.

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22,000+ 5-Star App Reviews
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Get more from your money with Varo

  • No fees at all
  • Get paid up to two days early with direct deposit
  • Save automatically with a high-yield Varo Savings Account
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Stop paying fees

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

How to qualify for No Fee Overdraft:

Make at least 5 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 in each calendar month.

Once you qualify, you can overdraw your Varo Bank Account up to $50 on any transaction except ATM or Over the Counter withdrawals with no fees or interest charges.

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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.

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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.

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Stay safe and sound

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

Stay protected from unauthorized charges with Visa Zero Liability.^

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.

Get a Varo Bank Account today!

Applying won’t impact your credit score.

All Rights Reserved by Varo © 2019

*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.

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.

Varo’s Privacy Policy: https://www.varomoney.com/policies/varo-money-incs-privacy-policy

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