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Submission: On September 30 via manual from US — Scanned from NL
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Skip to main contentEnable accessibility for low visionOpen the accessibility menu Log inGet started Manage Money Overview No Hidden Fees Move Money Varo to Anyone Early Payday Free Debit Card Cash Back Find ATMs Save Overview High APY Savings Savings Calculator Auto-Savings Tools Build Credit Overview Easy Credit Building Stress Free Credit Borrow Cash Advance Varo Line of Credit Learn Blog Money 101 Varo Podcast Product & Design Job Seeker Hub Help Get In Touch Log in Manage Money Save Build Credit Borrow Learn Help Log inGet started Varo Line of Credit is available now! Join Varo to get started. THE BANK THAT'S IN YOUR CORNER. Get on the path to a brighter financial future today. Get Started NO MONTHLY FEES? YES, PLEASE. Ditch the monthly fees and access 40,000+ ATMs for free.¹⁰ Get Started MONEY WHEN YOU NEED IT. Get 2-day early payday¹, access cash advances when you need them², and send money to anyone instantly. Get Started A BETTER WAY TO BUILD CREDIT. Build credit safely and fee-free with the Believe credit building-credit card.⁵ Get Started BEING A REAL BANK MATTERS. Every dollar you deposit stays with Varo, unlike other money apps that aren’t actually banks at all. Get Started SEE WHY MILLIONS OF PEOPLE LOVE VARO. 4.9 216k App Store Reviews 4.7 230k Google Play Reviews GET TO YOUR NEXT BIG THING (AND THE NEXT AND THE NEXT) WITH VARO. BANKING WITH NO SURPRISE FEES HIGH-YIELD SAVINGS BELIEVE CREDIT BUILDER CARD INSTANT CASH ADVANCE NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO MINIMUM BALANCE FEES • CASH ADVANCE CASH ADVANCE WILL SPOT YOU. SERIOUSLY. When the unexpected happens, hit up Varo Advance for up to $500²- one of the biggest advance amounts³ that’s easy, zero-interest, and affordable. Start out by borrowing smaller amounts and grow your limit over time. Learn More BANKING WITH NO SURPRISE FEES MONEY SHOULDN'T COST YOU A THING To grow your money, you have to take steps forward—not backward. That's why you'll never have to deal with unnecessary, hidden, or tricky fees and charges. Learn More DIRECT DEPOSIT EARLY PAYDAY.¹ ‘NUFF SAID Up to two days early. That's how fast you can get your paycheck with direct deposit.¹ Plan your budget, treat yourself, take care of that bill—the cash is yours. Learn More UP TO 5.00% ANNUAL PERCENTAGE YIELD (APY) GET YOUR SAVINGS HIGH. LIKE, REALLY, HIGH. Got big money dreams? Grow your savings faster with one the highest savings rates in the country. That’s right, qualify for up to 5.00% APY on up to $5k and earn 3.00% APY on everything else.7 GROW YOUR CREDIT SCORE BETTER CREDIT STARTS HERE. Take the first step and start tracking your credit score for free in the Varo app.⁹ Then, you can easily help build your credit with the Varo Believe Card⁵ on everyday purchases. On average, customers⁶ see a 40+ point increase after 3 months of on-time payments when using the Varo Believe Card. Learn more CUSTOMER TESTIMONIAL “MY FINANCES HAVE IMPROVED A LOT. I’M NOT SPENDING MONEY I DON’T HAVE.” Daniela C. CUSTOMER TESTIMONIAL “I FEEL MORE CONFIDENT, BECAUSE I HAVE MORE CONTROL OF MY MONEY." Bryan A. CUSTOMER TESTIMONIAL “IT'S THE FIRST TIME A BANK HAS HAD MY BACK. IT'S BEEN A GAME CHANGER.” Tracey W. $ECURITY & FDIC INSURANCE SECURED AND INSURED $ECURITY & FDIC INSURANCE SECURED AND INSURED WITH THE . Your money is seriously covered. Up to $250,000, to be exact. Not only are your deposits FDIC-insured, we’re also an independent bank with our own banking charter. Learn More MAKE YOUR MONEY DO WAY MORE. Signing up takes 2 minutes. Get Varo MOMENTS OF PROGRESS ⁸ “Something I love about the cash advance is that I can borrow the money without asking anyone else.“ Bryan A. “The Advance really helps out when things get tight because sometimes the ends don't always meet.” Demeiia R. “The Believe card has really improved my credit.“ Malcolm T. “The Believe card has definitely helped my credit score go up.” Daniela C. “Varo has changed the way I think about money.” Derrome E. “It taught me how to budget and I thought that was awesome.” Tracey W. Products Online Bank AccountHigh-Yield Savings AccountBelieve Credit-Builder CardQuick Cash AdvancePersonal Line of Credit Manage Money No Hidden FeesMove MoneyEarly PaydaySecurity and ControlMobile AppFree Debit CardCash BackFind ATMs Save SaveHigh APY SavingsSavings CalculatorAuto-Savings Tools Build Credit Build CreditEasy Credit BuildingStress Free Credit Learn Money 101BlogProduct & DesignJob Seeker Hub About Our StoryNewsroomSitemapCareersImpact Support Contact UsSecurity Responsible Disclosure © 2024 Varo Bank, N.A. All Rights Reserved Member FDIC. Terms & ConditionsPrivacy PolicyLegal Documents The Varo 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 Varo Advance is a small dollar line of credit. To qualify for Varo Advance you must have an active Bank Account and qualifying direct deposits (QDD) of at least $800 during the current or previous calendar month. Your Varo Bank Account and/or Savings Account must not be overdrawn, and any prior Varo Advance payments must have been made timely. Once qualified for Varo Advance, you will be assigned a credit limit from $20 to $250, based on your account activity and balance(s), your direct deposits, history of timely Advance repayments, and other risk-based factors. Your credit limit may increase gradually over time based on these factors. The maximum Advance amount is $500. Your eligibility and credit limit are evaluated daily, and may change at any time. You may only take one Advance at a time. Your current limit is always available to you in the home screen of your Varo app. QDD are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to your Varo Bank Account and/or Varo Savings Account. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo and Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit. ³ The Varo Line of Credit is designed to help customers with unforeseen expenses with monthly payments, no late fee, no prepayment penalties, and no interest. Eligibility required. Once qualified for Varo Line of Credit, you will be assigned a credit limit from $600 to $2,000. A one-time fee is added to your borrowed amount. Your credit limit may fluctuate based upon a variety of factors. You may only take one Varo Line of Credit out at a time. Your eligibility information and/or credit limit is always available to you in the home screen of your Varo app. ⁵ Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments. To be eligible to apply for the Varo Believe Card, you need to have received Incoming Deposits of $200 or more in the past 31 days to your Varo Bank Account and/or Savings Account. Incoming Deposits include any deposit into your Varo Bank Account and/or Savings Account from any source outside of Varo, Varo to Anyone transfers between Varo customers, and final dispute credits. ⁶ Customers who had an existing VantageScore® 3.0 credit score showed an average VantageScore® 3.0 score increase of approximately 40 points after three months of having Varo Believe and no late payments on their credit. Individual results may vary, and some customers may not see a score increase. As of July 3, 2024. ⁷ Annual Percentage Yields (APY) are accurate as of July 1, 2024. Rates may change at any time without prior notice, before or after the account is opened. You start out earning 3.00% APY on your savings. To qualify for 5.00% APY (on up to $5,000) the following month, you must meet two requirements: 1. Receive qualifying direct deposit(s) totaling at least $1,000; and 2. End the current month with a positive balance in your Varo Bank Account and Savings Account. Once you qualify, any additional balance over $5,000 will earn 3.00% APY. ⁸ Testimonials reflect real experiences of Varo customers. Results and experiences may vary. ⁹ Varo displays credit data at our discretion to customers that opt in. ¹⁰ There is no fee to use any U.S.-based Allpoint® ATM. Varo charges a $3.50 fee for cash withdrawals at all non-Allpoint® (out of network) and all international ATMs. Additional third-party fees may be assessed by the ATM owner. All ATM fees will be charged to the Varo account used for each transaction. ¹¹ We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). This could also include preauthorized ACH transfers that are scheduled, recurring and/or pending but have not yet settled. If your account balance remains negative, activity will be evaluated and your account could be closed. Even if you have a negative balance, we will not charge you an overdraft fe The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.