You have customers who also use the PC I didn't even get a courtesy email stating you'd be changing the website layout and it was not pleasant particularly since I'm Autistic to log in one day and dis... See more
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Join a bank that sets you up for a better financial future. From getting your paycheck 2 days early to no-fee banking to cash advances when you need them, peace of money starts here.
FDIC insured – backed by the full faith
and credit of the U.S. government.
No monthly fees, 40,000 fee-free ATMs, and cash deposits for $0 at over 7,000 CVS nationwide.1
Learn More* Loans and optional services have fees
Get paid up to 2 days early when you set up your direct deposit with Varo.2
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One of the highest cash advance amounts around. Once qualified, borrow up to $250 instantly and $500 over time.3
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Save more with our super high Annual Percentage Yield. Earn 5.00% on your first $5,000.4
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No interest, no fees, no credit history required. Just an easy way to build your credit.5
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The best way to access cash when you need it. Borrow between $600-$2,000. Eligibility required.6
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Send money to anyone, no matter where they bank. It’s fast, free, and secure.
Learn More1 Fees apply to out-of-network withdrawals & cash deposits, Varo Advance, and Varo Line of Credit. A full list of Varo fees can be found here.
2 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.
3 Based on April 2024 internal Varo research among single standalone loans with repayments of 30 days or less, no subscription fees or early wage payment requirements. Varo Advance(VA) is a small dollar line of credit. Initial limits range from $20-$250, work your way up to $500 over time. Fees range from $1.60 - $40 based on loan amount. Current limit can be viewed in the Varo App. Only one outstanding advance at a time, must be repaid in full prior to requesting a new advance. Varo Bank Account, with minimum Qualifying Direct Deposit (QDD) of $800 in current or previous calendar month required. Limits and eligibility evaluated daily and may change at any time. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit. Add'l qualifications apply.
4 Annual Percentage Yield (APY) is accurate as of December 11, 2024. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) End the month with a positive balance in all your Varo Accounts. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such asVenmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.
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. You must add money before using, money added sets the spending limit. Funds spent are held in your Varo Believe Secured Account to pay off any balance in full monthly, when due. Quals apply.
6 The Varo Line of Credit (VLOC) is a short term loan with credit limits ranging from $600 - $2000. A flat fee of $60 to $400 is assessed with each advance based on the amount. Once qualified your credit limit may fluctuate based on a variety of factors. You may only take one VLOC advance out at a time. Eligibility and/or credit limit information is available in the Varo App. Quals apply.
United States
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This is the WORST bank on the market, online etc. they are not fair at all and will treat you like a criminal if you have to use one of their useless services like replacement card, disputes etc. All you are going to encounter is aggravation and frustration with this company so your better off with another bank ANY bank is better than this one they are horrible in every aspect all across the board.
I will never bank here, regardless of their higher than average interest rate for a HYSA. Their customer service is not helpful. The person I "chatted" with (once I was finally able to get ahold of a live person) argued with me about my failings in not being able to set up and external account. I showed him screenshots of my work and he still argued. He did not know his product. I had to end the chat. It was an unsuccessful chat and I wasted half an hour. He was also unconcerned that this might be happening to other customers. I couldn't be the only one.
I would not use varo becuz if u upload a mobile check it takes two weeks for u to get your funds. Fudge varo..
Call secure my bank account thank you cause I’ve been scam before so thank you greatly appreciate you watch in helping me make it secure and I like the direct deposit two days before it helps me to stay ahead of my bills and rent thank you and keep food in my house thank you

Reply from Varo Bank

Reply from Varo Bank
I love my experience with Vero Bank. There are never any fees you can usually get a hold of somebody when you have a problem and the app is super easy to use. I highly recommend this for anybody that's looking for a new checking account that's going to save the money.

Reply from Varo Bank
Great experience with overall service very helpful building credit drafting paying bills on time and receiving direct deposits in timely manner!

Reply from Varo Bank
customer service is a joke they talk in circles and are useless. my direct deposit was sent a week ago and I still haven't received a penny of it. steer clear. use chime

Reply from Varo Bank
I love how convenient they make banking with them.

Reply from Varo Bank
Excellent banking experience with added features like cash advance and small loans that are great compared to regular banking. The Apy on savings is just another added bonus and the Varo Believe card is Excellent.

Reply from Varo Bank
I've been banking with Varo for a while now and I have no complaints at all

Reply from Varo Bank
They are very helpful if have a problem easy to unstable how to do things

Reply from Varo Bank
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