Early direct

Access your paycheck before it’s available at traditional banks.*

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How early direct deposit works

1. Employer submits payroll files to the Federal Reserve to start the direct deposit process.

2. The Fed notifies Varo of the amount of money you should receive with that deposit post.

3. We deposit your money in your bank account as soon as we receive the direct deposit notification.

4. For most Friday paydays, we get the alert from the Fed on Wednesday, so you may get your money faster than your co-workers.*

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Pay bills earlier, sleep better

Sleep soundly knowing you can pay your bills up to two days early. With early direct deposit, you can get paid early and access your paycheck before it’s available at traditional banks.


No time like tax time

Set up early direct deposit to your Varo Bank Account and you could get your paycheck early and tax refund up to two days early.^

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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.

^A tax refund may only be direct deposited into an account that is in your name. This means that if you file a joint return, the name of the primary filer must match the name on the account. If a tax refund is directed to an account that is not in your name it may be rejected and returned to the IRS. No more than three electronic refunds can be deposited into a single financial account or prepaid card. If you exceed the limits stated here: https://www.irs.gov/individuals/direct-deposit-limits, you will receive notice from the IRS and a paper check refund.