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 $500 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 apply)⁹
• 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.