No fees¹, fast access to cash⁸, and safe credit-building². All from a FDIC-insured bank built to get you ahead. Protect Your Money • No surprises— Every dollar you deposit stays with Varo, not a third-party bank. • Varo Bank Accounts are FDIC insured up to $250k per depositor, per ownership category. Keep More of Your Money • No Monthly, Minimum Balance or Overdraft Fees¹ • 40,000+ U.S. fee-free Allpoint® ATMs¹⁰ • Auto-saving tools • Grow your money with a high-yield savings account that provides up to 5% APY⁴ Get Money Faster • Get paid up to 2 days early³ • Borrow up to $500 over time for when you need it⁸ • One of the highest advance limits around⁸ • Instantly send/receive money fast & free with Varo to Anyone • Get a contactless Varo Bank Debit Card when you sign up Build Your Credit • Varo Believe credit-building card with no security deposit once you qualify² and no APR or annual fee² ¹We don’t hide our fees: www.varomoney.com/no-hidden-fee-bank-account ²Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments. Customers who had an existing VantageScore® 3.0 credit score showed an average VantageScore® 3.0 score increase of approximately 40 points after three months of having Varo Believe and no late payments on their credit. Individual results may vary, and some customers may not see a score increase. As of July 3, 2024. 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 7/3/24. 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 ⁵The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. 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 April 2024 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 ¹¹ The Varo Line of Credit is designed to help customers with unforeseen expenses with monthly payments, no late fee, no prepayment penalties, and no interest. Eligibility required. Once qualified for Varo Line of Credit, you will be assigned a credit limit from $600 to $2,000. A one-time fee is added to your borrowed amount. Your credit limit may fluctuate based upon a variety of factors. You may only take one Varo Line of Credit out at a time. Your eligibility information and/or credit limit is always available to you in the home screen of your Varo app. ¹²Transactions will be declined when you don’t have sufficient funds. You could have a negative balance if a transaction is approved for one amount, but the actual charge is more than what you have in your account, but we won’t charge you an overdraft fee.