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.