Varo Bank vs Chime
Varo Bank | Chime | |
|---|---|---|
Varo Bank Account - | Get Started - | |
Benefits and Features | ||
| Savings | 1.00% APY on all balances. Opportunity to earn 3.75% APY on balances up to $5,000 by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. | 0.75% Annual Percentage Yield (APY).
 |
| Checking | No monthly service fee; no minimum balance; no overdraft fees | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees |
| Monthly Fee | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | over 40,000 fee-free Allpoint ATMs | |
| Customer Service | Mon-Fri 8am - 9pm (ET) and Sat-Sun 11am to 7pm (ET) | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |  | |
| Checking | | |
| Mobile App | | |
| Customer Service |  | |
| Pros & Cons | Pros:
| |
| Bottom Line | Banking app that offers an online account with early paycheck access and credit builder features... | |
Varo Bank: Pricing information from published website as of 07/27/2026. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. | ||
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