Explore Products Claims About Us Resources 1-866-407-4844 , Call Us Log In Online Checking Accounts No monthly fees. No minimum balance required. No need to leave home. Online bank accounts are provided and serviced by a third party. Read more. EXPLORE ONLINE BANKING Products, info, & more Home Financial Services Online Banking Online Checking Accounts Open an online checking account with Varo and get faster access to your funds* (See Disclosure) Varo is a new bank built to serve your lifestyle, emphasizing convenience, security, and savings opportunity. With online banking from Varo, you can confidently manage your money on your terms. CONVENIENT 24/7 banking Access your account(s) anytime, all on your phone. Plus, there's no minimum balance requirement. FREE No monthly fee Enjoy monthly-fee-free checking, no transfer fees, no foreign transaction fees, and no ATM withdrawal fees at 55,000+ Allpoint® ATMs.† (See Disclosure) FAST Early paydays Varo customers using direct deposit can get their paycheck up to two days early.* (See Disclosure) Advantages of banking with Varo In addition to no monthly fees, quick direct deposit, and anytime banking, Varo offers the benefits found at a brick-and-mortar bank and more. PERKS Explore the ways Varo can give you financial peace of mind Once you qualify, access to up to $100 with Varo Advance** (See Disclosure) (fees apply) Visa® contactless debit card issued by Varo Bank with a tap to pay option for your convenience and security A Save Your Change feature that rounds up all of your purchases to the nearest dollar and automatically transfers that amount from your Varo Bank Account to your Varo Savings Account Live customer service available seven days a week, excluding federal holidays Deposits insured up to $250,000 through Varo Bank, N.A. Member FDIC Access to more than 55,000 fee-free AllPoint ATMs worldwide in stores like Target®, Walgreens®, and CVS® † (See Disclosure) The ability to send money instantly to another Varo customer at no charge Fraud protection for unauthorized charges on your Varo debit card with a Zero Liability guarantee from Visa†† (See Disclosure) Connection to contactless payment apps like Apple Pay™, Google Pay™, PayPal®, and Venmo® Over 90,000 locations for cash deposits using Green Dot Reload @ the Register (service fee from Green Dot applies)§(See Disclosure) Questions about Varo Bank Accounts Here are some easy answers for common questions about banking with Varo. What do I need to open a bank account with Varo? You can open a Varo Bank Account in minutes with the following information: Your Social Security number One form of personal identification (such as a driver's license or passport) Applying for a Varo Bank Account will not affect your credit score. What is a checking account used for? A type of account for daily expenses, a checking account can be used to make purchases and pay bills. The money in your account may come from sources like direct deposit. Can I open a Varo checking account online? Varo lets you open a free checking account online in minutes, without having to visit a banking branch. Apply online. Does Varo offer debit cards? You'll get a Varo Bank Visa® Debit Card when you open an account. You can lock your Varo debit card in the Varo app instantly to safeguard against unauthorized purchases. Does Varo have an app? Yes, you can download Varo's free mobile app for your iPhone or Android. Look for the purple Varo Bank icon in your app store. Open a checking account online in minutes Get started with Varo Insurance Car Insurance Home Insurance Progressive Answers Explore All Products Our Company About Us Careers Investors Newsroom Quick Links Continue Previous Quote Report a Claim Make a Payment PerkShare Connect 1-866-407-4844 Contact Us Progressive App Become a Partner Search / Keywords Facebook Instagram Twitter YouTube Lifelanes Contact Us Site Map Accessibility Services Technical Help Privacy & Security Terms of Use Insurance Resources RANKED #1 WEBSITE FOR EASE OF USE Copyright 1995 - 2021. Progressive Casualty Insurance Company. All Rights Reserved. We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Banking offers and all services related thereto are provided by Varo Bank N.A. Member FDIC, and can be obtained at Varomoney.com. Visa® Debit Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted. Progressive Casualty Insurance Company and its affiliates (“Progressive”) hold a non-controlling interest in Varo and may, from time to time, receive fees or services from Varo, including receiving compensation for each Varo Bank Account or Varo Savings Account opened in connection with the above referral program of Progressive customers to Varo. Progressive is not a chartered bank, does not open, maintain, or service bank accounts, and does not endorse and is not responsible for Varo's products or services, the content or operation of Varo's website, or how Varo handles or uses customer information. Information you provide to Varo is subject to Varo's privacy policies and website terms of use. Varo Bank Accounts and Varo Savings Accounts may not be available in all situations and not all applicants for such accounts will be approved. All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this program. *Early access to direct deposit funds depends on timing of the payer's submission of deposits. Varo Bank generally posts such deposits on the day they are received by Varo Bank which may be up to two days earlier than the payer's scheduled payment date. †There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash withdrawal fee assessed by Varo Bank for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may charge an additional fee. **To qualify for a Varo Advance your account must be at least 30 days old with a balance of $0.00 or greater, with qualifying direct deposits in the Varo Bank Account and/or Varo Savings Account of at least $1000 over the past 31 days. Your Varo Bank Account and/or Varo Savings Account must not be overdrawn, and your Varo Bank Account cannot be suspended or closed. For $20 Advances, your qualifications will be evaluated daily. For Advances over $20, your payment history and qualifications will be reviewed monthly for any credit limit increases. To continue to qualify for Varo Advances, payments must be made timely. Here's more on Varo Advance fees. ††You must notify Varo Bank immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact Varo Bank. §There is no fee assessed by Varo Bank for cash deposits. However, a retail service fee charged by Green Dot of up to $5.95 applies.