Varo Bank: Mobile Banking

Join the first all-digital bank in the country! Varo Bank Account: Rated 4.5/5 stars by Nerdwallet
• Forget monthly fees and minimums
• Get paid up to 2 days early^
• Send and receive money fast and free with Zelle®^^
• Get a contactless Varo Bank Visa® Debit Card you can instantly lock in the app
• Access 40,000+ fee-free Allpoint® ATMs in stores like Target, CVS, and Walgreens^^^
• Instantly send money to anyone who uses Varo
• Track spending and account activity with instant alerts
• Link external accounts to see all your finances in one place
• Transfer money to and from external accounts

Varo Believe: Credit building*
• Get a credit building credit card with no minimum security deposit once you qualify
• Build credit with everyday purchases while avoiding runaway debt
• No Annual Percentage Rate (APR) and no annual fee

Varo Advance: Cash advance
• Borrow $20 - $250 once you qualify^^^^
• $20 advances have no fees
• Cover bills or any unexpected expenses

Cashback and partner offers
• Get up to 6% cashback when you use your Varo cards at select brands.**
• Take advantage of partner offers to save and earn even more

Varo Savings Account: Rated best online savings account by Newsweek
• Watch your money grow with a high-yield savings account
• Use automatic savings tools to save money effortlessly
• No minimum balance required to open an account, minimum balances to earn interest apply

Varo Security
• Get reimbursed for unauthorized transactions with Visa Zero Liability***
• Securely lock and unlock your debit card if you misplace it
• Your data is protected with advanced encryption, access control, secure processes, and audits

Download Varo today! Applying won’t impact your credit score.

^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.

^^Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. There are no fees to send or receive money with Zelle® at Varo. Message and data rates from your mobile service provider may apply. Visit varomoney.com/zelle for eligibility and more information.

^^^There is no fee to use any U.S.-based Allpoint® ATM. Varo charges a $3 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.

^^^^Varo Advance is a small dollar line of credit. Qualifications apply, including direct deposits to your Varo Bank Account. Visit https://www.varomoney.com/cash-advance/

*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.

**Individual offers may vary. Automatically get cash in your Varo Bank Account every time you reach $5 in cashback. Cashback available on specific items or services purchased with your Varo Debit Card and Varo Believe Card at select brands.Offer details may vary, see the Perks tab for more details and current deals. The maximum Cashback that can be earned is fifty dollars ($50 USD) per calendar month.

***You must notify Varo Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please contact Varo Bank.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

© 2023 Varo Bank, N.A. All Rights Reserved. Member FDIC.
The Varo Visa® Debit Card and the Varo Believe Card are 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.