Varo Bank: Mobile Banking

Join 3+ million people getting ahead with their money at Varo!

Varo Bank Account: 4.5/5 stars on Nerdwallet
• No monthly bank account fees or min balance
• Get paid up to 2 days early³
• Instantly send/receive money fast & free with Zelle®⁶ & Varo to Anyone
• Get a contactless Varo Bank Debit Card you can instantly lock
• 40,000+ U.S. fee-free Allpoint® ATMs¹⁰
• Get account activity alerts
• Link external accounts to transfer money & view your finances in one app

Varo Believe: Credit builder²
• Get a credit-building card with no security deposit once you qualify
• Build credit on purchases
• No APR or annual fee

Varo Advance: Cash advance
• Borrow up to $500 over time
• One of the highest advance limits around⁸
• Cover rent, bills, and more

Varo Savings Account:⁴
• Grow your money with a high-yield savings account
• Easy auto-savings tools
• No min balance required to open, min balances to earn interest apply

Security
• FDIC-insured up to $250,000
• Get reimbursed for unauthorized transactions with Visa Zero Liability¹¹
• Encryption & access controls protect your data

Apply today! It won’t impact your credit score.

¹We don’t hide our fees: www.varomoney.com/no-hidden-fee-bank-account

²Believe is a secured credit card to help you build credit; a variety of factors impact your credit & not all are equally weighted. Building credit takes time & Believe can help when you consistently make on-time payments. Customers who had an existing VantageScore® 3.0 credit score showed an average increase of approx 40 points after 3 months of having Believe & no late payments on credit. Results vary & some customers may not see an increase

³We give access to direct deposits from employer & government payers on the day we receive them, typically up to 2 days earlier than your scheduled pay date

⁴Annual Percentage Yield (APY) is accurate as of 12/01/22. Rates may change at any time without notice, before or after account opening. Start earning 3.00% APY on savings. To qualify for 5.00% APY (on up to $5,000) the following month, there are 2 requirements: 1. Receive qualifying direct deposit(s) of at least $1,000; & 2. End the current month with a positive balance in your Bank & Savings Accounts. Once you qualify, all balances over $5,000 will earn 3.00% APY

⁵Based on The Ascent’s review: www.fool.com/the-ascent/banks/savings-accounts/varo-savings-account-review

⁶Transactions between enrolled consumers typically occur in minutes & generally do not incur transaction fees. No fees to send/receive money with Zelle® at Varo. Message/data rates from your mobile service provider may apply: www.varomoney.com/transfer-money

⁸Advance is a small dollar line of credit. Qualifications apply, including direct deposits to your Varo Bank Account: www.varomoney.com/cash-advance. Information about advance amounts is based on November 2023 internal Varo research among single standalone loans with repayments of 30 days or less, no subscription fees or early wage payment requirements.

⁹Testimonials reflect real experiences of Varo customers. Results & experiences vary

¹⁰No fee to use U.S. Allpoint® ATMs. We charge $3.50 for cash withdrawals at all out of network & international ATMs. Additional 3rd-party fees may be assessed by ATM owner. All ATM fees will be charged to the Varo account used for each transaction

¹¹You must notify Varo immediately of any unauthorized use. See terms for restrictions, limitations & details

Zelle® & the Zelle® related marks are wholly owned by Early Warning Services, LLC & are used herein under license

©2023 Varo Bank, N.A. All Rights Reserved. Member FDIC

The Varo Visa® Debit & Believe Cards are issued by Varo Bank, N.A. pursuant to license from Visa U.S.A. Inc.