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.