We're all about taking your banking to the next level - without surprise fees

No overdraft fees. FDIC-insured. And 24-7-365 control of your money.

Approved by consumer advocates

For Those Who Want a Simple, No-Fee Checking Account

  • NO monthly fee or minimum balance fees
  • Early Direct Deposit Express for free*
  • NO overdraft or NSF fees
  • Deposit checks with your Android or iPhone
  • Unlimited domestic ATM fee reimbursements
  • Optional Savings Account earning 1.3% APY
  • Online bill pay
  • Exclusive VISA offers & perks
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Sign up in AppStore, Google Play, or desktop

Varo Bank Account. No Monthly Fees, the Only Way to Bank

  • NO monthly service, minimum balance, OR foreign transaction fees
  • Option to receive pay up to 2 days early with Direct Deposit for free**
  • Deposit checks with your iPhone or Android
  • Fee-free withdrawals at 55,000+ Allpoint ATMs worldwide
  • Open an optional interest-bearing Savings Account paying 1.61%
  • No Fee Overdraft up to $50 for qualified customers***
  • No foreign transaction fees
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Apply via Varo's iOS, Android mobile app, or desktop

Get Paid Via Direct Deposit

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Receive your pay automatically on payday.

Pay Bills Online

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Enter the payment details online. The card company will mail the check to your biller.

Save for a Rainy Day

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Set aside a little or a lot - be ready for surprises!

Shop Online

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Buy anything on online, from any seller, anywhere, at anytime.

Fraud Protection

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Get relief from charges that you never authorized.
See each cardholder agreement on the provider's site for protection details.

FDIC Insured

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All cards on Wisewage include FDIC insurance of your funds.

How to Add Money to Your Account

Direct Deposit

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When you use direct deposit, your earnings are available quickly and for free.

Paper Checks

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Sign your check, open your bank's app, and take a picture of the check.


Cash to Card icon
Load cash onto your account at some surcharge-free ATMs or MoneyPak.

From Another Bank

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You can send or receive funds from another bank using your routing and account number.

Frequently Asked Questions for Employees

Can I Pull Back Funds from an Employee Expense Account?

Can I use a Varo Money Card for my Business

What is Varo Money's Maximum Daily ATM Withdrawal Limit

What Bank Accounts Offer Early Access to my Paycheck?

Can I Use Venmo with the Axos Bank Account?

Can I use Venmo with the Varo Bank Account

What Savings Accounts Pay the Highest Interest

Are There Better Bank Account Options than NetSpend or Green Dot cards?

Can I Open a Bank Account if I Owe Money to Another Bank

Can I Open a Bank Account Online Without a Deposit?

Can I Overdraft the Varo Bank Account

How Do I Find the Routing Number for the Axos Essentials Bank Account

How Do I Find the Routing Number For My Varo Bank Account

Is Axos Essentials Checking a Good Bank Account?

How Do I Open a Varo Money Account

Is the Varo Money card a regular bank account or a prepaid debit card?

How Can I Make a Deposit with the Varo Money Account?

Do I have to live in the United States to get an Axos bank account?

Can I apply for a Varo Bank Account or an Axos Bank Account if I don't have a Social Security number?

If I have a social security number, must I give it to the bank during my account application?

Will a bank disclose my social security number to the government?

Why Does WiseWage offer FDIC-insured fee-free debit cards?

If cards on WiseWage do not have overdraft fees, what happens if I attempt to spend more than I have?

What is a Routing Number?

Once I Deposit a Paper Check, How Soon Can I Use the Funds?

Can I have my government benefits paid by direct deposit to my card account?

Can I direct deposit my pay to more than one card account?

Is the Axos Essentials checking account FDIC-insured?

How soon will my funds be available with direct deposit?

Can I Get an Axos bank account with bad credit?

How Do I Deposit my Paycheck or Benefits?