Varo Bank: Online Banking

Varo isn’t just an online banking app. We are a real bank, built for the digital age.

Free online banking, early payday⁵, high yield savings¹⁰, credit score monitoring, easy credit building⁶, instant cash advances (once qualified)³, and more. Quals apply. Fees apply to loans and out-of-network services.

Member FDIC—mobile banking backed by the full faith and credit of the U.S. Government.

FREE ONLINE BANKING

• Early payday⁵

• No minimums or overdraft fees¹

• Send and receive money in minutes with Zelle®⁴

• Free debit card

• Free cash deposits at CVS®⁸ and withdrawals at 40k+ US Allpoint® ATMs²

• Free credit score monitoring

• Unlike many money apps, we’re a real bank

INSTANT CASH ADVANCES

• Borrow up to $250 today. Quals apply.³

• Work up to $700 cash advances over time with direct deposit³

• Cash advance funded directly into your online bank account

• One-time flat fee per cash advance

• Automatic payments available for money advances

PERSONAL LINE OF CREDIT

• Unsecured personal line of credit from $600 to $2,000. Avg $825.Quals apply⁹

• No interest, late fees, or penalties

• Credit line with a simple flat fee

• Affordable monthly payments

• Personal loan funded instantly, once qualified

• Money added to your online bank account

• Payment periods between 3 and 12 months

EASY CREDIT BUILDER

• Free secured credit card for credit building⁶

• No credit check, interest, annual fees, or minimum security deposit

• Build credit by only spending what you have

• Reported to Equifax, Experian, and TransUnion

• Pre-existing credit scores saw a 40+ point increase on avg after 3 months of on-time payments⁷

HIGH YIELD SAVINGS

• Up to 3.75% annual percentage yield on first $5,000, quals apply¹⁰

• 1.00% APY on additional balances

• Auto-saving tools

DOWNLOAD NOW!

Sign up for an online bank account in less than two minutes with no impact on your credit.

Disclosures

©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC

¹⁻¹⁰ See disclosures in app screenshots.