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.