Varo Believe Review

I was initially happy to find Varo. It was quick and easy when I couldn't get an account elsewhere due to some financial problems. Fast forward almost 2 years, my husband and I buy a couple businesses, I have lots of money coming in and some coming out (I never overdrafted and there was always at least $1,500 in my account at all times). I get an email today without any prior contact that they have closed my checking and savings account (my savings account only saw $280 going in each week to budget for rent and once a month paid the rent via ACH) and that I'll get a check of what was in my account in 14 days. Can't access the app anymore to print out my statements or ANYTHING. Called customer service who directed me to email support and I got what other people have said "We don't give specific reasonings but after examining your account yada yada what the heck..." If there was too much money movement (as that's the only thing I can think of) they should have reached out and I could have given the simple explanation. I gave it 3 stars since I never had any other issues beyond the inexplicable 10 day hold for checks.

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I have been banking with Varo for a minute and suddenly this week every purchase i make is charging my account twice. I spent 4 hours on the phone fixing what could be fixed and was told i had to file a dispute. why should I have to wait for money back that they took out incorrectly. However I let that go to wake up the next day with the money they reversed taken out again, To have one of their employees tell me I have to have documents to reverse the charges. How is that even possible when you can look at my account and see the issues at hand. I asked for her name and employee information as well as corporate information and she refused to give it to me. Now all the sudden I'm locked out of my account. What kind of bank is this?????

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I was at 5 stars and will change my review to 5 stars if they fix the issue. So they took my money off my card for each purchase then moved my purchases to pending. No big deal then all of a sudden I noticed all my money was gone. They charged me twice for the same purchases...

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They are scammers I signed up for a Varo account on December 11, 2019 so it's been a long and frustrating battle with these folks but to start, they stole $50 from me and I have no access to my money in my Varo account as they closed it and their phone support takes OVER 1 hour to respond. I waited that long for a human to answer the phone and when they did, all they said was to go to email support SMH I have over 9 emails from them all in the same email I sent with the same subject about this problem. They are so incompetent and lazy that I doubt anyone will use Varo for serious reasons. I am locked out of my account and I have the proof in my emails that I verified myself with them. The reason I couldn't log in at first was because I changed my phone number as the last one I had got stolen by criminals. I already sent them my passport, my ID and my request to update my phone number on 12/31/2020. Shortly after I did that they decided to lock me out of my account. I emailed them inquiring about this but my "account" was still open. Of course, because it was a year and their customer service agents are slow it was on 4/8/21 when I decided to try again. And I got the same sloppy response "We would be happy to help you update your phone number! In order to complete your request, we'll need a photo of an identification document along with a photo of you holding your valid identification. Once you’ve taken those photos, you can securely upload these documents by visiting https:// www.varomoney. com/documents." Okay, so you send me this and after I send my driver's license and important information you scam me and close my account. Wow. They closed my account on 5/10/21. I will never see that $50 again and Varo money is a scam. Poor excuse for a bank. I know that my account is there because when I just recently tried to make a PayPal transaction, Varo says this: Hey Kevin, A payment to PAYPAL on 2022-03-21 wasn't completed for the following reason: R01 - insufficient funds. Please reach out to PAYPAL to arrange another way to pay. If you didn't request a payment, call us at 1-800-827-6526 and we’ll get to the bottom of it. Don't trust them and please don't waste your time like I did. I'm going to call the police about this matter

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I was lured into opening a Varo account promising a 50.00 referral bonus. I referred someone and they opened an account and spent the required 20.00 to qualify for the 50.00 bonus and it had been 3 weeks and Varo still hasn’t credit my account nor the person’s account that I referred. I have reached out to them everyday for almost a week and am getting the run around. This is not a reputable bank. Bank anywhere else.

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WORST BANK EVER . THEY ALWAYS PUT 7 DAY HOLDS ON CHECKS YOU DEPOSIT. DO NOT BANK HERE. THEY ARE NOT HELPFUL OR PROFESSIONAL.

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STEAR VERY CLEAR of this bank if you want any kind of access to your money. One of the worst banking experiences ever. Trying to close on a house using money in my Varo Savings. They have a $5000/day $7500/wk $10,000/month transfer limit. Hard move move 20k for closing costs when you have to wait 2 months to do it. After calling customer service they made me jump through a ton of hoops to increase my limit. I need access to that money immediately and after 5 days of calls, sending forms and waiting, they did not change the limit a dime. I had the same issue I had a week prior. We are now at risk of losing our house deal because we do not have access to our funds. Their solution to fix this is using paypal, or going to the ATM and taking out $250 at a time with a $1000, limit per day (2 days of ATM withdrawals) or using western union to send yourself money at their limits every day until you have your money...what kind of hockie-a$$ bank is this!!??

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Varo cancelled my debit card and I'm suppose to get a new one Sept 19. I asked them if I would have a problem getting my 2 pay checks out that hit 2 days after they cancelled my debit card. No problem they say. I was unable to get my money out so I asked for them to send it Western Union to me. This was 10am eastern time on Friday. They wait till 430pm on Friday to tell me they denied my request to have it sent Western Union. So here it is 11pm on Friday night still unable to get to my money. I lost my motel room ,now I'm on the streets. Everyone knows you need money to eat. I've had a Pepsi all day. I haven't ate anything. These are the most heartless people I e ever dealt with.

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SO I HAVE 4 PAY CHECKS COMING IN MY ACCT WITCH ITS TELLING ME TO GO GET ANOTHER ACCT DO TO I BORROW 100 LAST TIME AND NOW AFTER THE 100 I BORROW THEY WENT DOWN TO 75 and I paid on time if u need a manager it will be 48 hours later to talk to them and they have to call u back poor customer service THE APP ITS TRASH AND I REGRET GETTING WITH THEM

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I tried to set up a bank because I was able to get a free $50 to use in my account, and I've been looking to get a new bank that has 0 fees. When I entered in my basic information, like my name, email, and phone number, it took me to the next page and it said I didn't qualify. How don't I qualify? I didn't get a application to fill out either. And when I tried to call they wouldn't let me make a request since I wasn't apart of the bank. So I had to send an email, which I sent like 5 of them to get help for this issue. Finally someone reached to me and talked to me about some technology system they use that helps them verify people to use their bank. Ok, but still why was I rejected? Then they told me my information I used was false. How was it false? You have my name clear and my email there, even my phone number was obviously legit since I had to use it to verify a sign in log in. That makes 0 sense. Don't work with this bank, their rude and stupid.

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Varo Bank is trash ! They misspelled my last name on my account, which includes on the debit card that they mailed me. To correct THEIR mistake the 1 star rated customer service insisted I send a photo id, which would be the same id I use to open the account in the first place. A top tier bank would never make that mistake, and if they did they would acknowledge their mistake and correct it immediately. And this is just one of many mistakes I encountered. DO NOT OPEN A ACCOUNT WITH VARO BANK. IF YOU HAVE AN ACCOUNT WITH VARO BANK WITHDRAW ALL FUNDS AND CLOSE IT IMMEDIATELY !

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They are ok, until they are not. If you want to stop payments or have a new card. Even withdraw more due to life troubles. Forget it. If they have to lift a finger they will put you on hold for hours. If you want to stop a subscription service they will freeze your account. The most incompetent bank in the world.

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Varo bank is the worst to deal with. They closed my account without notice or explanation. I had the account opened for about 25 days and funded it with 4 different deposits from my Chase checking account, all went through with no problem. I had $2600 in there and have done nothing to arouse any sort of suspicion that should cause them to suddenly close my accounts. When I asked for an explanation, they refused to provide one, only saying I will receive a check within 14 days to my mailing address. At this point I am glad they closed my account as I have no desire to do business with them anymore. I was looking for a place to park $40,000 so it's their loss. WORST BANKING EXPERIENCE EVER!

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Same as many on here, the overseas customer service is horrible. They should give the jobs to folks here. I have spent hours trying to fund my new account! I wanted to direct deposit my social security checks with them, but am now afraid to. I'll be on a vacation abroad when the money is due, and I'll be royally messed up if the money is not deposited timely, or released to me timely.

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WORST BANK EVER!!!!!

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My card is negative $298 because a corrupt hotel wrongfully charged my card. Which they admitted to doing. So I’m already getting screwed by the hotel. But I expected my bank to keep things like this from happening. Varo doesn’t have overdraft no way my card should even been allowed to go in the negatives. Now I have to wait 30 days to get a decision on rather or not I will get my money back and be able to use my card and it’s causing a bunch of stress. Definitely don’t recommend.

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Varo let you deposit a check and hold it hostage for 2 weeks without proper warning. Even though it will say accepted via their email, they will still hold it up to 10 business days without proper explanation. They will not even allow one to cancel the deposit stating that it has been accepted therefore they can't stop it but yet cannot release the funds. My check was from a company that works for Home Depot so obviously it is legitimate. All they would have to do is do a quick check but instead they just stick to policy and hold it for 10 business days. Their limit at first, is only $500 a week in deposits. What type of person who only makes $500 a week roughly is able to wait 10 business days for their funds to clear? Rip off! Complete malarkey! Hijacking then holding hostage one's funds! In this day and age with inflation out of control they could care less!

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Varo is not a secure bank you want to deal with. I’ve bragged on this bank for a month and recommend people. Then the minute I’m done bragging they close my account with thousands of dollars in it with no explanation. Then when I call I’m told “ you have to wait on an email and unfortunately your account is closed and can’t be reopen. Then I continue to ask what about my money and they hang up . I called two more times to Varo stressing the situation trying to get an answer on why they closed account when there was no suspicious activity and still the same results. You will do better to get a real bank u can walk in and talk to someone and get your money otherwise you will stress the freak out trying to get your money especially if u have all your money in Varo account .

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They cancelled my bank account without explanation and when I called to inquire about why, the customer service rep said there was no reason listed and that they are just allowed to terminate the account whenever they wanted to. He couldn't have cared less about the predicament and did nothing to help me. That was my only bank account so I went 2 weeks (my next paycheck) without access to my money. At least give someone a chance to withdraw their funds from their account before you royally screw them financially. I have an 8 month old so thank God I have a man who also works or we would've been in some real trouble. It took THREE WEEKS for me to receive the check with the funds from my bank account. I have never had such a horrible experience with a bank before. Absolutely unacceptable. I really hope someone from Varo sees this and tries to make a change. Just because you can terminate someone's account whenever you want, doesn't mean you should! I hate to imagine the amount of people that have been inconvenienced by this. If this reaches you and you are considering Varo, don't do it. It's not worth it.

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I live in Colorado and I deposited a small ($32) refund check from the State of Colorado Treasury Department using mobile deposit on August 1, 2022. The next day I received a confirmation email from Vero bank saying my check was approved and the funds would be available on August 11th! Why would it take nearly 2 weeks for a government check (not a personal check) under $50 to clear? I will never use their mobile deposit again!

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I set up my Varo account but never received an ATM card. When I contacted customer service, they said I had to have mail delivered to a street address. I explained that I live on a rural mail route, so my mail is delivered at the local Post Office. They said I had to provide a letter to that effect from the postmaster, which I promptly did. They also insisted that I provide a photo of my passport, which I also did. They said they sent me a card, and the next day they cancelled my account without explanation. I will never do business with Varo again. Charles Schwab is a much better banking partner!

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If I could give 0 stars I would they allow people and business to steal my money an don't give it back they said send proof an I sent the recite an that wasn't good enough. So how the heck do I show proof? Super confused, Its clear as day an they can even see on there end what was coming and going. If they don't allow A recite to prove what was taking out then what am I post to send then? The representatives an Managers have no idea what there talking about like more then clueless. Can't even do simple math. Sucks run away find another bank you'll be happier there. I promise!!!! RUN GO!

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My son needed money in a hurry and he lives across the country from me so I said I would try Varo since his girlfriend has an account with them. Big mistake. I could have mailed them a check and it would have been cashed before Varo released the money I transferred directly from my bank. Terrible customer service as well. Stay away from this company.

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Varo is a joke don’t recommend for anyone to use them they rip you off

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This is the worst bank I ever had..I had two dispute transactions and they put 3 transactions since June 27 and supposed to get a credit on July 13 and get nothing no email and told me end of the day about 5 and heard nothing..but the 3rd one I didn't dispute I already have a credit for and have a police report and still denied 4 time and screenshot and email them smh and my card was stolen and had the mechanics wrote a letter also gave varo bank their numbers..this bank need to sued putting $1350.50 instead of $687.75 and can lie very quick.. That y I left varo bank and Im disabled and get SSI...God don't like ugly...To everyone do not use varo bank..they can lie and keeping people who work hard or disability people money... straight up scammers.i won't even let my family come here...fake bank!!!

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Mobile deposits take up to 3 days or more to post. Their customer service is a complete joke. Go to Chime instead.

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This is not a good company. They do not honor their savings account rates even after you jump through all the hoops to get their 5% rate. I have never dealt with a more incompetent support team. It feels like their team might not have basic reading comprehension skills. It has been such a waste of time trying to get someone to read and understand what I am writing. Chime is a much better alternative than this sad company. Support is crucial for Fintechs - Varo does not seem to understand

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This has got to be the worst bank ever after having my wallet my iPad and my phone stolen two of my accounts were empty there were charges in the amount of $396 to bar Bank an authorized by me I did not have my card even in my possession because it was stolen with my Other property. I present a police report and witness statements and they still refused to give me back my $396 not to mention they even sent a card to Oklahoma when I am in Buchanan dam Texas I will never uses bank again and I suggest you do not either

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If I could give a zero I would. This is the worst Company I've ever dealt with. The Customer Service is completely incompetent and I had to call the BBB on them because all they do is lie. Don't ever trust this Company

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Absolutely worst customer service I've ever encountered. They do not help you with anything they do not cross transactions through in any timely manner. when you call customer service all you get is this is the policy and that's that.

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This institution is only good for electronic transactions. They're garbage with everything else. Their check holds are excessively long and they will not release your funds early even if there's an emergency. Go literally anywhere else because I've yet to see another institution with check holds for established customer as long as Varo has. Most places even have shorter holds for brand new customers! Check deposited the 2nd, funds not available until the 14th. I have bills DUE on the 11th. -Online chat rep said they couldn't even look into it, that I had to email and can't get to the correct department from phone. -Emails aren't addressed in a timely manner. Their auto response says to expect a response in approximately 24 hours. It's been over 48 now with no response. -Social media support says to wait for an email. -Telephone rep was nice, but couldn't do anything at all. This institution doesn't care about you. They exist to take your money and screw you over.

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I've nothing but had a great experience with Varo Bank. Get paid 2 days early and can get a loan with Varo Money and direct deposit. I recommend this bank to everyone.

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Denise Alston

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I am disappointed with Varo Bank. Initially, I was enthused about their scrappy beginnings as an online bank. However, despite my holding a Varo account (without problems) for almost two years, Varo closed my account shortly AFTER I made a fairly sizeable monetary transfer. Fortunately, I was able to get my money back - but I believe that I was lucky. Please let me warn others - Varo is not to be trusted. I recommend other major players - such as American Express and Ally Bank - who are more trustworthy, offer better customer service, and have better policies.

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Within one month of depositing money in my Varo savings account, there was a fraudulent charge that was not authorized. I don't even know how it happened, but Varo deemed that it was not fraud. I am trying to reopen this dispute, but am not getting any help. Stay far away from this bank. They are looking for ways to take your money - read this article "Varo Bank could run out of funds by year-end, filing shows".

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One of the worst online banking experiences I have had. They are continuing to hold funds that a merchant has already released. Even after turning in two receipts with final charges, they still won't take the hold off of my money.

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I had a dispute for a charge made to my account that was unauthorized by me and the customer service was to put it nicely, it was by far the worst I have ever encountered at or through any bank or finance institution. Even worse than PayPal. And weeks later still have no access to my money sitting in my account. To put the icing on the cake I had just days before referred a customer of mine to sign up the my referral link. We were each supposed to receive $50 after she loaded and spent twenty dollars. So it'd be as if the sports cards purchased would be free and she'd actually make money by purchasing cards for her son. Now varo says 5 to 7 days for the $50 to be credited. So two weeks pass and nothing I contact customer service through the varo mobile app and explained that I know without a doubt that the refferal was complete as I was the one whom received the $20 payment made from my customers varo account which was opened using my link. And asked why we hadn't been credited the $50 as advertised. They reply that I'd been credited $20 a week ago but this was the $20 disputed on the unauthorized charge to my account. So I clear that up and ask about the $50 credit for the referral program. Response was "I'm here to help" I said wait a minute are you a robot? Response was. "Is there anything else I can help with" followed by "I would love to show you how to link an external account through the varo app. Flat out the worst customer service I've ever gotten from a place that is supposed to be protecting and assisting with your money not scamming and interfering. Anyway I give the bank a -4 stars yep a minus 4 star and I won't refer anyone again in fact as soon as they hold up their end I'm closing my account and will recommend to all my customers to use any bank but varo. Customer service is key especially when there is money involved. Too many banking options to be inattentive to your customers needs cause there is a hundred other banks waiting to snatch up your client at the touch of a button. The service put this customer in reverse. #BOOVAROBOO

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I thought it was a good card. Left for vacation used my Varo Believe card (credit card) to place holding deposit on May 29th,2022. Checked out of hotel settled account and still waiting for my holding deposit to release. With Chime my holding deposit was released immediately and I'm notified. With Varo I'm now going on 10 days and money still on hold. Nick the floor supervisor lied to me had first customer service rep that my funds would released next day after telling me there's nothing he could do. When I called back next day as he told me too he denied telling me my funds would be released. He became rude and argumentive. Started saying he didn't know when my money would release. What bank rep you in now don't know federal law on holding deposits in a financial institution. all claims are to go to the OCC Website to file claim helpwithmybank .org It is the fastest way to get action. Have screen shot saved and or be able to uploaded your supporting documents.

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It's another Debit Card that reports to the credit bureaus "could take time" -Varo. Varo Representatives can't even explain how the Stupid debit Card works. Waist of time, effort and resources. Get Real Varo.

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Customer service is nonexistent. It’s literally impossible to talk to a live person. Takes 24 hours for an emailed response and their phone automated system is trash

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Wrost bank I ever bank with this the second time they have locked my card or suspended my account for no reason I have hundreds of dollars in my account I will no longer be using them switched some where else

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If I could give 0 stars I would. They locked my account with no notice, no digital card because I sent a email asking about a transaction with thousands of dollars in the account. Never even tried to contact me and locked it at 6pm so I couldn't speak to anyone at Varo about overnight with 3 kids. A baby needing formula, the 8th of the month with rent due and I didn't know it was locked until I got to the register to buy dinner for my family. I'll be closing my account , I'd recommend chime. Worst banking experience I've ever had.

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Absolutely! You can reach Varo Customer Service by sending an email to [email protected] or by calling 1-706-441-2866. Our call center is open Monday to Friday, 8 am to 9 pm Eastern Time and Saturday to Sunday, 11 am to 7 pm Eastern Time 706-441-2866 excluding federal holidays).

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Trash trash trash they are asking FOR something that don’t exist don’t waste your time in opening an account these people don’t even care they have hung up on me they’ve called a lier WORSTE BANK ON THE PLANTE Very unprofessional!!!!!! As soon as I’m able to get my check or find out where it is I’m closing the app hopefully BBB closes them down

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My money was stolen from my account and I filed a dispute with Varo. I thought my money was safe. I told them what happened I filed a dispute and they denied it right away. I filed 2 appeals and the third one they took so long longer than the 10 days they said. After that dispute they closed my account. I seen several reviews and stories of varo not helping people when they file a dispute. These banks will work hard to get their money back (credit cards or such) but if you file a dispute they won’t help. Their dispute department didn’t even have phone support!! Sometimes things are misunderstood with all of these emails communications. I do not recommend this bank at all.

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Awful/nonexistent customer service. I satisfied all the requirements for 5% interest and am not getting it. There is nobody to talk to. It's as if this has been done by design. They advertise with Nerdwallet and others to get great reviews, but have no way of supporting their customers. As I write this I am STILL on hold 30+ minutes. I haven't gotten a response from the chat either. Avoid at all costs. There are much better/safer places to put my money. They are the epitome of what is wrong with banking today: the lack of personal support with lots of pomp and advertising fluff.

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This bank is not a good bank this bank is wrong and they’re not good at all these employees do not care about you Because they’re making me wait for 90 days or longer this bank is crooked this bank is not right and after I get my money back I will be deleting this account I wanna have this bank no more

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The reason I’m giving them a 1 star is because one day I had $546 and the next day I had $54 then 6 days later I had $454 and I was in a different country and I could not leave back home because of this. It pissed me off!

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I am certainly pleased with the Varo app. It is really easy to maintain and efficient.

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I love this bank! I get my check days earlier than everyone else

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great bank with an almost ssemless application. 4 or 5 years i've been with these guys,and never have i had an issue with my money.

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I'm always on the go,so keeping a password handy hasn't always been my thing ,but varos customer service has always been patient and very helpful at keeping me connected.thank you varo

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I absolutely love this bank it's everything you expect from a big bank but with more features and better customer service I also like that I get paid early with there direct deposit I couldn't more happier with varo bank I recommend it to anyone needing banking services 😘

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I don't know where to begin, getting anybody to take care of an issue...good luck. Emails take days, if they respond. Customer service phone number, only good during business hours. Why? Because their customers arn't worth 24hr. Real service. And there apps just send you chasing your tail. I just needed to unlock my card.I end up having to start applying for an account. And they turn down my application. Hey varo already had one!!! I had forgot my password so it was easy to set up. But when I went to log in...it decined my new password. Screw it keep my damn $2.55 senice you need it more than me. I give them my pass or fail response: VARO U GUYS SUCK!!!

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Favorite bank in years.

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Varo app is easy to use, making transfering funds easy and when I've called customer service in the past they were helpful and kind.

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I gave my Varo debit card to the front desk at Marriott residence Inn for incidentals on a room that was already paid for through Hotwire. The front desk accidentally placed a $120 hold on my debit card because they mistakenly thought I was going to pay for the room with the debit card. Marriott fixed the problem immediately and released the $120 hold when I checked out and the room was covered by my Hotwire account. The $120 charge has been pending on my debit card ever since. I have called, emailed, and texted Varo a total of seven or eight different times wasting a total of four or five hours of my time trying to get the pending charge released so I can have access to my money. I usually have to wait around 35 to 40 minutes on hold in order to speak to customer service. Was hung up on once after waiting that long. Spoke to a supervisor and they informed me if I provided documentation showing the room has been paid for they could release my money. Which I did and still my money hasn't been released. So that was a lie. So if being hung up on, lied to, your time wasted by spending hours on hold, and STILL accomplishing absolutely nothing is your idea of customer service, then Varo is definitely for you.

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I am very very happy I signed up with Varo, I have referred 4 people to Varo so far which has earned me $200. I have had no less than a very positive experience with this company and my account with them.

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The best Bank ever

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Worse bank ever! I was in Colombia and I had $600 bucks the next morning I woke up and I had $30 something bucks. I called and ask them what happen with my money they said it’s gone and everything is calculated correctly. I’ve been robbed by Varo bank! Worse bank ever and now I’m stuck in Colombia because they took my airplane ticket money

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Customer service is a joke. And so is the limit to transfer my own money

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I love this bank. I have been with Varo Bank for a few years now and have not had a single issue or fee for that matter! Customer service is amazing for not having physical locations. They also keep adding more and more perks like cash back features and early direct deposit. I have recommended them to several friends and family and some have even dropped their other banking options for Varo Bank. Best online bank ever!

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Best banking app I've ever used going on four years now

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I get my direct deposits early and whenever I have a issue it gets taken care of fast and easy.

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i have used Varo for a while now and i have to say its pretty good overall. the savings account and the ability to earn interest on that savings account really make banking easier. the reason why i didn't put 5 stars is due to the slight difficulties to become a member of Varo believe.

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I love using my Varo card what I like about it is the checking account and savings account is a very good card to have…

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I am and always have been completely satisfied with Varo banking system since day 1. The mobile app is so user friendly you could navigate through it blindfolded. Tech support is Grade A as well. No matter how big the problem they will without a doubt help find a solution. Love you guys and gals at Varo Banking. 😊😊

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They are great. I love my Varo account.

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Customer service is non existent. Chat has been down for days, no one answers the phone, and i haven't gotten a human to respond to any of my emails aside from cut and paste BS. I'm having an issue with a mobile check deposit rejection. They refuse to have a human with basic problem solving skills intercede.ive sent documentation (as they requested). Same robo rejections. Now, I'm sitting on a check that says "mobile deposit Varo Bank only" on the back. I'm out $800, and Varo doesn't have the decency to have a human tell me I'm out of luck. I am working on transferring all of my banking to Chime.

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I loved Varo at first, everything seemed fine. However I travel for work and this is my 2nd bank account. I started using more as my primary bank account but if a hotel or something puts a hold on your account they will not remove it for 10 days. They require proof that the hotel bill has been paid. Most banks it's a three day hold, not 10. They literally keep your money hostage for 10 days and are super rude when you ask them to remove the hold. This has now happened to me twice. I keep sending the receipt and keep getting crap anwsers back asking for documentation that has been sent multiple times at this point. Ready to move on from them.

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This has been my favorite online bank thus far! They’re $50 refer a friend promo they have going is pretty sweet too. Only thing is I wish there were other ways to qualify for the Varo Believe and the Varo Cash Advance programs than direct deposit. It would also help a ton if it weren’t still classified as a prepaid card.

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You can always tell the character of a bank, by the way they treat you when problems arise. My card was siphoned off by a card reader at a store that i shopped in. When I got home my card had been drained of all but .51. Immediately called Varo and reported the theft and requested a new card. I was told that I could get a provisional credit. HOWEVER, Varo has to deem your dispute eligible for the credit. WAIT! WHAT? After the 10 days they initially tell you they will respond, they sent me an email which was essential gibberish. Now they are pushing the response date 6 weeks out. I have already found a new bank and as soon as I get my cash, I am transferring all my funds and my direct deposits!!!!

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Don't listen it any of the negative reviews. They are either doing something wrong themselves or complaining about small irrelevant things. If you are looking for a good, basic bank with good customer service, Varo is it. If you're smart and know not to give your information to imposter social media accounts, you'll be fine.

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I am a new member with this online bank. At first a little skeptical but that was soon put to rest. You get emails updating you of different things going on their transaction listing easy to understand and they even try and help you rebuild your credit. The only drawback is that you're not able to talk to a banker in person. Otherwise I'm very happy. Would highly recommend!!

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This card company is horrible I do not recommend them they do extra stuff they suspend your account without your permission and then they make you wait definitely canceling my card with them

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I love it the best

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Love it 100 percent liget

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Varo is one the best online banks out there. No monthly fees for anything. My money is always there I know where it’s going. Everything I need is in the app. The only complaint I have is the lack of customer service and the lack of help from varo. They disabled my check deposit and never told me why and say they can’t enable it one they disable it. Which makes no sense. How can you disable something but can enable it again. I don’t know. Normally they fix the issues I have with no issue, but this one thing they weren’t right on. Making changes to my account without notifying me of it or even why.

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Awesome bank

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Never an issue with Varo

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I absolutely love Varo! I have not had any issues in the years that I have used them. You earn interest in savings, get direct deposit days earlier, and transfer Varo to Varo for free. Which saves a ton! Easy mobile check cashing as well. The one time I did need to speak to customer service, they were incredibly helpful and super nice.

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Covers everthing you need in as banking institution including savings even Grant's advances with no late fees just all around covers you

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Varo is great

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A very easy app to use and hassle free. I love Varo Bank. It’s great getting paid earlier too.

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I love Varo Bank!!

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Excellent experience

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varo is the bank to go with!

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well they were a good bank i dont know why they cancel me but other than they had great custom service

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Varo Bank seemed to be your run of the mill, "small bank" which usually doesn't offer the advantages of a"Big Bank" , but usually offers more personal service. I have them a chance only to have my account hacked through "Varo's" Twitter handle and empty my account fraudulently, after I immediately reported this activity it seemed like no one from Varo Bank heard me or cared... They proceeded to walk me through a dispute. I wasn't disputing the withdrawal it was blatant fraud. Varo should have reversed the transaction and credited me pending their investigation. When I requested this, again it's like they couldn't hear me and read from spreadsheets. I immediately started writing to Varo's customer service email complaining and demanding action, to this they responded by closing my account. They treated me like I want entitled to anything, giving no status reports or encouragement for a month and finally got some results. It finally took them a month to determine what is said was true and tell me I'd be refunded. They will mail me a check when they get to it, because my account is closed. About 10 days before this determination I had gotten an email stating that my dispute was found in my favor so I emailed back asking how I will be paid. To this they tried to tell me that my dispute was not settled yet. I immediately sent them a copy of their own email to me telling me that it was. To this they responded that they don't intake emails through the address I'd contacted them on. Nothing else. I was confused, not that they cared. Now I'll see how long it takes to get my check with my money. What a cocky carefree bank. I was supposed to be their valued customer. I had even referred 4 others to Varo Bank. Since this we have all closed or accounts. If you can't count on customer service, what good is a company? I learned a lesson not to give place like Varo Bank my business. In this financial climate that we are living in these days, every dollar is important, but Varo doesn't care. I'm sorry I have them a chance. I'd urge everyone to think twice before wasting your time and possibly your money on VaroBank

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Fraud! My cousin had an account before me and she sent me the link to sign up so that we each receive $50. I signed up and we both spent $50, called and was told I did not fill out the link within the time frame. There was NEVER anything stating there was a time frame. FRAUD!! DO NOT bother about the perks. If ppl do not know any btte they make it seem as if the cash rewards go to varo. They are all online for small change. ITS ALL A RIP OFF!!!!

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*UPDATE: EVEN WITH PROOF THAT I DID NOT MAKE THESE CHARGES & SOLD THE PHONE THAT WAS USED BACK TO METROPCS, THEY HAVE STILL DENIED MY CLAIMS. THE THIEVES ARE BEING CHARGED BY THE DA BUT VARO SEEMS TO STILL SAY NO ERROR OCCURRED WHICH IS CRAZY BECAUSE IT IS NOT AN ERROR IT IS FRAUD! If someone steals your money and they are good at it, good luck with getting Varo to give it back. I have CID police, BBB, and a list of other companies working to get my money back and catch the thieves who have a record of larceny. But good ol varo quickly denied my disputes and left me with over $2000 stolen. Also before you choose them make sure to look at all the lawsuits held and won against them. They really have an issue keeping us first during the fraud. Do your research. Easy is not better.

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Absolutely Varo Is the best bank I’ve ever dealt with. I would definitely recommend this bag to my friends and family. All I can say Varo keep up the good work.

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Varo has helped me immensely with getting my SSI and helped me when I needed a few extra bucks for food or gas. I love Varo!

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Thanks you, awesome

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Love varo and I think everyone should try it out and see how much it will be a delight

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Always have money couple days before pay days.

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I have never had any issues whatsoever with Varo

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THE ABSOLUTE WORST CUSTOMER SERVICE EVER. Only been with this scam business for 2 months and what a complete disaster. Tried calling 3 times to wait on hold for 40 minutes or more. Then emails are only a pre written email sent every time I respond. Then they send me a message on messenger AND NEVER RESPOND. This is not even a brick and mortar place..it's a scam in the sky. DO NOT USE THIS SCAM COMPANY.

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Requires selfie using their App which wasn't disclosed before signup. I'm ok with picture of State License but, not to facial recognition.

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This is the worst card company I’ve ever encountered I guess that’s my fault for getting a online account. Please a beg anyone DO NOT OPEN an account with this Obama

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