I've really enjoyed using Varo I've really enjoyed using Varo! Not only do they offer free checking and savings accounts, but they also have just about the highest APY you can get right now. Varo also has great incentives such as mobile check cashing, Varo Advance and they have the highest paying referral program I've seen. I have not yet signed up for Varo Believe Credit Card, but it sounds like an amazing and easy way to build credit! I highly recommend Varo to anyone seeking online banking. It's easy to apply and there's no credit check.AAA+++. LOVE 💖 THIS BANK.!!!!

Varo is a good bank - for true online banking I have been with Varo now for over 6 years, I started with them while they were not an "official bank", but then transformed into one being backed by the FDIC, which I thought was great. They do not have the best communication practices in the industry, but I don't really need them that often, if I email them they will respond in 24-48 hours. With a good explaination, and usally will refer to their "rules" and such. I like the new feature send to anyone, I can now send Money to my husband, with out fees. I also enjoy the high interest rates on their savings account. If you are going to compare an online bank with a brick and morter bank, there really isn't a fair comparison, Varo doesn't have locations to walk into, or if they do it might only be in Utah or something like that. I do recommend them. I hate talking to people and going to the bank, so this is a really great option for me.

Horrible customer service Horrible customer service, can't speak to a live agent to resolve an issue with them suspended my account. Going on 2 weeks now. No one will help me with this issue. I have no money and can't pay any bills. This is ridiculous

There is absolutely no way to speak to… ***update*** I have now canceled my accounts, which btw, you still have to go through chat. First, with a "regular" representative, then get chat transferred to a retention chat representative lol. Unbelievable.*** There is absolutely no way to speak to a person on the phone anymore. Everything from identity theft to disputes requires you to go on the app and use live chat, which they don't know much of anything. Varo didn't use to be like this. I've been with them for years. For now, I'll keep the account, but I have 3 other bank accounts, so it won't be used. Only because I don't feel like going through chat again after spending 45 minutes to get nowhere with my question. How useful is a bank when you can't reach anyone?

I'm ok with Varo for my checking &… I'm ok with Varo for my checking & savings account but the Believe card NO. Like Chime credit Builder card they use false, confusing ways to think it's a REAL credit card. They ARE NOT! They are payday loan cards. I was not understanding that whatever I charge would be deducted as soon as my direct deposit disability hit the bank. A regular credit card you charge $200 but your payment is $40. Not so with these cards. AGAIN they are simply a payday loan card.