Your Get-To-What’s-Next Online Bank Account
Your money can do more for you. Now.
Make the most of every dollar with a bank account that helps you avoid fees, get paid early¹, and reach your money goals faster.
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Bank account features
Everything you need to get ahead
Early Payday
No hidden Fees
Instant Access
Send money with Zelle®
40k+ Fee-Free ATMs
FDIC insurance
CASHBACK⁹
ONE APP FOR IT ALL
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No hidden fees
No sketchy fees. Period.
That’s right. No monthly fees. No overdraft fees (we help you spend only what you have).¹ No WTF fees. Because your money is your money. And we help you keep more of it.²
Early direct deposit
Get paid faster. You deserve it.
Get paid up to two days early³ so you can do what you want with your money when you want.
Faster money moves
We’ve got Zelle®, baby.
And unlike other money apps, we’ve got Zelle® in the Varo app.³ So now all it takes to send money and get money fast is a few easy taps.
Mobile banking app
One app for all your money things.
All your cash is conveniently at your fingertips in the Varo app.⁴ Deposit checks, link accounts, and keep tabs on your spending.
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Fee-free ATMs
40,000+ ways to get your cash. Fast.
With over 2x more free ATMs than big banks⁵, it’s easier than ever to find cash as soon as you need it. Stick with us, and you skip the fees.
$ecurity & FDIC insurance
Insured & secured with the FDIC.
What’s precious to you is precious to us. Since we’re a legit bank, you can count on us to keep your money FDIC-insured for up to $250,000 in case the worst happens (hint: bank failure).⁶
Sign up in less than two minutes.
Download the app.
Apply for an account.
Add your card to your mobile wallet.
You’re on your way.
IN THE PRESS.
“Neobanks are a dime-a-dozen these days...Not Varo. The digital-only bank is the first consumer fintech to be granted a full-service bank charter...”
“Colin Walsh is on a mission to create a more inclusive digital bank– and he went through the regulatory wringer in the middle of the pandemic to prove it...”
“We’re a direct member of the FDIC, we’re regulated by the OCC, and we’ve made very prudent decisions to build a very effective risk management program that protects our customers – Colin Walsh”
“Neobank pioneer Varo Bank has become the first digital bank to join Zelle’s payment network. Surely this move represents a step forward for neobanks.”
The Hype is Real ⁷
"Banking without fees has really been a breath of fresh air. I love that I don’t have to stress about fees with Varo."
Greg D.
"I’ve got more in my Varo Savings Account than I’ve ever had in any savings account, so that feels awesome."
Ellynore B.
"I’ve used several other online banks and Varo has by far been the easiest to use."
Alex G.
"If something happens, they’ve got your back. It’s more than just being FDIC-insured, they actually value you as a customer."
Pam D.
"You get extra security knowing that your bank is at your fingertips."
Deng B.
Do money the way you want.
Sign up for Varo in less than two minutes. There’s no impact on your credit score.