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 payday³, high yield savings⁷, credit score monitoring, easy credit building⁶, automatic cashbackᵟ, instant cash advances (once qualified)², & more. Quals apply. Fees apply to loans & out-of-network servicesᐞ. Member FDIC—mobile banking backed by the full faith & credit of the U.S. Government. FREE ONLINE BANKING • Early payday³ • No minimums or hidden feesᐞ • Free debit card • Free cash deposits at CVS®ᙾ and withdrawals at 40k+ Allpoint® ATMs⁴ • Free credit score monitoring • Automatic cashbackᵟ—no activation required or single-day windows • Mobile check deposit (quals apply)ᵟ • Digital wallet (select customers)ᵟ • 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 • Cash advance funded directly into your online bank account • 30 days to repay (better than a payday advance) • One-time flat fee per cash advance • Automatic payments available for money advances⁸ PERSONAL LINE OF CREDIT • Unsecured personal line of credit from $600 to $2,000 (quals apply)⁵ • 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 & 12 months EASY CREDIT BUILDER • Free secured credit card for credit building⁶ • No credit check, interest, annual fees, or min security deposit • Build credit by only spending what you have⁹ • Automatic payments available via Safe Pay¹⁰ • Reported to Equifax, Experian, & TransUnion • Pre-existing credit scores saw a 40+ point increase on avg after 3 months of on-time payments¹¹ • 90% of users with no credit score had a score after one month¹² • Quals: Must have an active Varo Bank Account in good standing & incoming deposits of $200 or more in the past 31 days. HIGH YIELD SAVINGS • Up to 5.00% annual percentage yield on first $5,000, quals apply⁷ • 2.50% APY on additional balances • Auto-saving tools SEND MONEY • Use recipient’s phone number or email address, even if they aren’t a Varo customer • Fast, secure, & free! DOWNLOAD NOW! • Sign up for an online bank account in less than two minutes with no impact on your credit — Disclosures ©2025 Varo Bank, N.A. All Rights Reserved. Member FDIC 1-7 See disclosures in final app screenshot above ⁸ Set up an automatic payment to your Varo Advance Account on any date you choose between 15 and 30 days from the day you get your Advance ⁹ Your spending limit can’t exceed your available to spend balance in your Varo Believe Secured Account, up to $2,500 per day for purchases or $1,000 a day for cash advances, totaling no more than $10,000 total per billing cycle ¹⁰ By enrolling in Safe Pay, you authorize Varo Bank to auto pay your Varo Believe Card balance in full at the end of your