Varo Bank: Online Banking

We are a real bank, built for the digital age.

Member FDIC, backed by the full faith and credit of the U.S. Government


ONLINE BANKING
• Early payday⁵
• No monthly, minimum balance, or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• 40k+ fee-free US Allpoint® ATMs²
• Up to 3.75% APY on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
• Unlike many money apps, we’re a real bank

INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply³
• Work up to $700 cash advances over time with direct deposit³
• Flat fee per cash advance

LINE OF CREDIT
• From $600 to $2,000. Avg $825. Quals apply⁹
• No interest, late fees, or penalties
• Simple flat fees
• Payment periods between 3 and 12 months

FREE SECURED CREDIT CARD⁶
• No credit check, interest, annual fees, or minimum security deposit
• Reported to Equifax, Experian, & TransUnion

DOWNLOAD NOW!
• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.

©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.
¹⁻¹⁰ See disclosures in app screenshots.