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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 payday³ • No monthly, minimum balance, or overdraft fees¹ • 40k+ fee-free Allpoint® ATMs⁴ • Up to 5.00% annual percentage yield on first $5,000, quals apply⁷ • 2.50% APY on additional balances • Auto-saving tools • Unlike many money apps, we’re a real bank INSTANT CASH ADVANCES • Borrow up to $250 today by linking a qualifying account² • Work up to $500 cash advances over time with direct deposit² • Flat fee per cash advance • 30 days to repay LINE OF CREDIT • From $600 to $2,000, quals apply⁵ • No interest, late fees, or penalties • Simple flat fee • Payment periods between 3 and 12 months FREE SECURED CREDIT CARD⁶ • No credit check, interest, annual fees, or min security deposit • Reported to Equifax, Experian, & TransUnion • Quals: Must have an active Varo Bank Account in good standing & incoming deposits of $200 or more in the past 31 days SEND MONEY • Use recipient’s phone number or email address, even if they aren’t a Varo customer • Fast, secure, and free! DOWNLOAD NOW! • Signup in less than two minutes with no impact on your credit