Varo Believe Review

Great service

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Long time Varo Bank customer sent email offering the ability to apply for a possible secured credit account with credit line that would raise my credit score and safe pay option you could opt in or out of controling any overdraft fees. Things appeared fishy when I frustratingly called Varo after nearly 2 months since approved no card ever came but received the second notice of what was said to be a $285 monthly upcoming bill. $285 and just monthly fees alone. I called up and complained just to have agents say customers were calling and flooding with complaints but statements were had just been sent out an error was the first of three times I heard that in retrospect but had actually believed that that was a plausible reason and that the large amounts they claim they weren't taking from me were in fact being taken as well as being able to continue after I locked it by just switching my bank card in with the program card after I made it inaccessible for anybody to use. Nearly $7,000 in missing funds over all this time I don't know how I'm supposed to get that back. I had no idea they're even working with lenders because like I said I found it to be a completely ridiculous misrepresentation of what originally sold to me as this great way to raise my credit. My credit score is even gone down 52 points and they keep denying my disputes and demands of return funds saying that they've never taken anything what is a little guy like me with no celebrity power to get some attorney that would actually do something about this or they know how to get it myself is this something I'm just going to have to bury my hands and go well with because if it was legal I'd seriously feel like running running into their homes and ripping the food out of their kids' mouths and clothes off of their bodies then maybe they would know it like what it's like to feel the effects of half of your money being stolen from I just feel angry and push up against the wall

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I would seriously consider not EVER opening an account with these theieves!!! I had VARO credit, transferred 20.00 from checking to have 80.00 then all of sudden the credit I had went to 9.20. Mind you this is a credit card that only works with money I deposited, they said I had made a manual withdrawal for 110.83 from Dec.2021, then $110.83. + the 20.00 so 130.00 total, I said it was a mistake, because I didn't understand the process. I had safe pay on and they would not refund my 130.00, because it is an automatic on the 11th of each month, this bank is full of B.S. if you value your money and don't want to be mislead, then don't do business with these vipers. I feel betrayed and lied to . I have gone to social media and told my friends and family not to do business with these corrupt deceivers, and put me a compromising position. BEWARE and be WARNED, thank you for screwing a combat veteran over, Shame on the employees and GREEDY SHARE HOLDERS, love your freedom, but don't mind benefiting off the backs of disabled Veterans.

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I love this app, its fully detailed, very easy to use and also when u transfer money it takes 2 seconds and the money is there!! I've not had one issue so far. I recommend using this app to anyone, you won't be sorry.

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I love my varo. Fast service, fee free, use anywhere, costumer service awesome. All around great card and bank

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Hands down the best online banking card easy app friendly use. Have been using now for over a year and have had no complaints. Love you guys, keep it up.

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Very good bank and good with people.

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No fees great bank

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Just want to let u guys know I had a lot of unauthorized charges on my account and one of your workers I believe her name was traci was very helpful love her customer service.

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I’ve used Varo for over a year but now I’m done! Unfortunately my part time job does not offer the option of my paycheck being direct deposited. In Nov their Mobil direct deposit was down so I had to fig out another way to deposit my paycheck. It was fixed and I mobile deposited my Dec paycheck on the 10th but between then and the week before Christmas something updated/changed and it wouldn’t let me deposit a check unless I set up direct deposit first. I had already written for mobile deposit only at Varo on the back as that is what they require so not like could mobile deposit it anywhere else. So I call and they basically told me an update had restricted mobile deposit unless I set up direct deposit I explained I had a check I needed to deposit and had already written at Varo Only on the back. The agent I spoke to didn’t seem to care and said I’d have to take it to a reputable bank so they could research to get it cashed or get the check reissued. So a bank I have a decent amount of money in and have used often, good customer, don’t overdraft etc etc and have been with for over a year IMO basically didn’t care about keeping me as a customer or try to help me at all. I got a sorry for any inconvenience, no reason or notice as to why it was all of a sudden changed right before Christmas. I will not recommend Varo and I hope undecided people read reviews and take them to heart.

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A Varo user set up a fake account to sell something online. I transferred money using this scam of a bank and never received the item. I notified Varo and all they said was the money was transferred. The merchant claims the money never was transferred. Varo claims they keep information and verify accounts to prevent fraud. When I asked them what background they are running on users they say that’s not their responsibility. Do not use this bank! They don’t care about customers, don’t do what they say online and don’t stand behind their security policies. Worst customer service ever. Would not recommend

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Varo was an amazing online banking company until they got this “believe credit account”. I setup auto pay for my account and every time varo transfer money from my checking to the believe account, the money never reflect on the account. This is frustrating when it’s not your fault. I’ve called them multiple times about my account and all they can say is… I apologize and that your account has been escalated. This is going on the 3rd week of me still not receiving my money.

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TOP NOTCH! My notifications from Varo is so on point, I have had a few banks whether it be online or not and the notifications is unbelievable, Deposits come on precise timing ! And when Varo became Varo Bank I was not at surprised at the flawless service they made sure I was served with! I will always recommend Varo before any bank! Thank you 😊💯🙌🏽🥰

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Absolutely wonderful bank to do business with

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This is a real bank and accepted everywhere. I love the app and the advance option. I recommend this bank to people who just want online banking with no hassle.

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I've been banking with Varo for years the bank is good to bank with. I will highly recommend anyone to Varo.

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I love this card. They offer so many things. The best part is the advance

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Thank you Chimebank for the Xmas bonus also thank you agent Mike Jim

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Awesome mobile banking app!!

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Great bank in every aspect,just wish they had branches to go into.

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Friendly month no minimum easy apply direct deposit free sign up social security verify.

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great bank friendly people to talk to. quick to fix any n all problems. no hidden fees.

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Varo is a bank that is easy to use for the most part it's safe I've only had one real issue since I've had this account I've had it for about a few years already. Only downfall is that I didn't receive any help in getting refunded with a $300 transaction that was taken out of my account by Google I've never received my money back for a subscription that I never agreed to.. neither Google or varo could help me receive anything for some reason

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I had a checking and savings account for a year with Varo Bank and I experienced a sudden close on my account after an unauthorized Varo to Varo transfer occurred. I received an email on 11/29/21 indicating that I sent a Varo to Varo transfer of $2000 to an unknown person. It occurred while I was at work and was not able to see this until later. Shortly after on 11/30/21, I received an email indicating a temporary suspension of my account and then a closing of my account. I contacted Varo on 12/1/21 and submitted a dispute on the $2000 that was taken from my checking account and they indicated they would conduct an investigation and get back to me on 12/15/21 with the findings. They refused to transfer the $2,695.39 that was still in my savings and the remaining $353.23 that was still in my checking account to my credit union while they conducted the investigation and said they would mail me a check within 14 days of 12/1/21. Varo sent an email on 12/14/21 indicating that they completed the investigation and found no instances of fraud or errors and will not be crediting my account with the stolen $2000. My question is, if there was no fraud present, why did they suspend and close my account abruptly after the transfer was initiated? It is 12/15/21 and there is still no check for the total of $3,048.62 and my $2000 is still missing. This experience has been horrible considering I need my money to pay my bills. Beware for sudden account closures, inability to access your money, fraudulent transfers and no help from Varo.

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No comment. I do not like this bank at all.

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It's been so convenient and easy to use. I haven't had any issues banking with you guys keep up the great work

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Becareful when using your card to reserve a room . The hotel we stayed at released our deposit on 12/11/2021. I called into varo customer service and the lady was rude and couldn't answer any of my questions without putting me on hold .Then she informed me that it could take upto 30 days before it would go back on my account.

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My identity was stolen and after i told them my wallet was stolen the people that stole it was able to still transfer my disability check onto a prepay card.would give them zero stars but then i wouldnt be able to give them a review.At 1 time i loved varo but i feel like they dont secure my identity or money.

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Great use of Mobile App and Website GUI. Easy to link External Accounts, so you can track all of your financials from all your other banks (credit cards too!), all within one handy easy-to-read site. I like the "Save Your Change" feature, which allows you to round-up charges to the next dollar and deposit to your Savings Account. You can turn this on or off, any time you like. Varo is now a dedicated Bank, as opposed to a Banking Service, which is how they began (like Chime, Simple, etc.). They've made some nice improvements, though I never had problems before this change. You can deposit cash at CVS pharmacies, Rite Aid, Walgreens, 7-11, Safeway, Dollar Tree and Walmart stores, which pretty much means ANYWHERE. Transfers from External banks are quick and easy, through ACH of course. I've seen some poor ratings, I do not understand them. All I can say, is that those people either don't understand or can't understand the most basic fundamentals. Visit the site and decide for yourself. Long and Short of it: I love these guys!!!

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The worst place to have your money customer service is terrible bank is even worse. Please do not bank here.

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I hate this bank. I've had an account with them for one month & already they have suspended my account, and have had to send 3 debit cards because the ones they are sending are not coming to my home. They're just not showing up. I haven't used this account not ONCE and this has all happened in a span of 4 weeks. Fraud department doesn't have a phone number so they'll email you back when they feel like it. Im starting to believe this bank is a scam to access people's information. It's just weird to me.

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Let a online company scam me out of $90 im. Still waiting over 30 days later for the dispute to refund my money worst bank ever.customer service is horrible no help rude most of the time

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They were great for me for a while but my mobile check deposit has not worked for at least a month and they are not fixing it. So if this is something you need in a bank I 100% would not recommend. I need to start another bank account now with a different bank because of this.

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Their mobile check deposit is a disaster. They have both monthly and single check dollar amount maximums, which are set at different amounts for each user based on an ambiguous system. You may not be able to deposit all your paychecks each month because of this limit.

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I got a email saying my account was closed and do I called to find out why and they couldn't tell me any think more. Now I'm having to wait for a check to come in the mail and nobody can tell me why they closed my account in the first place this is crazy

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Recent troubles aside they have been solid. That being said lately they have been cancelling transactions and stating "overpayment". That is impossible. The balance is subtracted immediately even on pending transactions. Black Friday weekend and they took my last $50. The transaction isn't even listed on the app anymore. However, I do have a receipt from the merchant who already snatched their money back and then some.

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Had the card for 2 months to utilize the mobile checking feature, and was unable to use it. The lack luster show of urgency to correct the problem was beyond infuriating. Asked to speak to a supervisor and couldn't get one the line, but they haply and quickly closed my acccount. Don't use varo!!!

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I’ve been with VARO for 2+ years. When they’re still named VAROmoney. The only thing i like is their security is on point. I never have to call in to dispute anything. Also they dont block or hold my money like other banks would do over fraud protection excuses. Everything is smooth and simple.

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The mobile check deposit has been down for a long time, but i dont ussually use it and Varo is a good bank. The bank has better features than most banks, and I created my account at a time when most banks wouldn't give me a checking account.

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Nothing but good results, and experience so far.

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I have nothing but outstanding experiences with my Varo account.

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👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍

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I just opened the account and got my card when my account was closed all less than a month. They send so many ads to get you to sign up for things and I ignored them all. Now I can’t log in they have my money still and they have some form that shows how they can close your account at any given moment. This is a scam

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I had $750 stolen from my account by someone on eBay using my card fraudulently and when I went to dispute the charge Varro said that it was a legitimate usage of the card. I have sent multiple emails asking them to reverse the charge an every single time they have said that it was legitimate even though they never bought the item on eBay and it wasn’t even on my account so I can’t even go to eBay and say hey this isn’t my purchase. And when I ask for their legal department address so that I can send a court summons they go quiet and stop responding. This bank is a major scam.

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Do not bank with varo they locked my account for no reason I have direct deposit from my job set up but yet they locked my account and can’t really explain why this is crazy I will be closing my account

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I love varo. Online app is very user friend)y. I love getting paid sooner and the advance payment option is really nice, but wait! Back up. I've been using that option for months. Never missed a single payment or even been late. Always pay it off before the due date even arrives. But as soon as my direct deposit fell below the 1000$ you took it away completely. I don't think that's very fair. I should be able to use that feature no matter how much direct deposits I get as long as the advance always gets paid. But alas my small voice will go unheard

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Varo is an awesome bank with great savings rates, an amazing online app for complete control of your account, and you get your paychecks several days early with direct deposit.

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Always having an issue with something in they’re System! They’re Mobile check deposit system has been down for lord knows how many days matter of fact WEEKS! Now we aren’t able to use OUR MONEY in OUR ACCOUNT due to the fact that they HAD SOME KIND OF OUTAGE IN WHO KNOWS WHERE! Get it TOGETHER! This is getting so ridiculous to have to go through, Either fix ALL YALL PROBLEMS or I’ll gladly go elsewhere! This BS isn’t acceptable! &The customer service THEY SUCK ASS! They do not know what the problem is, they don’t have the right information on anything! FIX THE PROBLEMS I DONT HAVE TIME FOR THIS BS!!!!!If I could rate with NO STARS I WOULD!

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Although I have a car loan through a local to me bank, Varo is my main bank. In over one year of banking with Varo I have not had one single negative experience. And the app is simple and so easy to use!

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I love getting my social security check early. It helps as i am retired live on that income alone.

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Everything is easy to use I’ve had no issues.

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Is the most important app banking with Varo i heve best experience my money 2 day before the bank clears up my paycheck thank you

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It’s pretty straightforward varo is amazing

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Lovely and responsive customer service ☑️ Early Direct Deposit 💸 ☑️ Issue resolution ☑️ Varo Credit Builder Card (comes with your credit score) 💯 I started off with Varo Money and was transferred over to Varo Bank and I can say that the move was problem free…of course we have doubts about the “ WHAT IF’S” but I can tell you all that you’ll have all the support needed when going through the transition….so just sit back and relax!!! They stand on what they say!! I would also advise that everyone keep your app updated so that you receive prompt notifications about any issues that may occur with any of the features offered!!! But Varo keep up the AWESOMENESS!!! ❤️ Jocelyn Marie ❤️

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Gteat to have.

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I busy experience

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Most horrible bank ever they let someone take money out of my account and then told me it will be 10 to 14 days for them to do anything . Staff are rude and hateful and don't understand anything about banking .

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Varo has been the best easiest card I have used..easy to load use and everything else..definitely recommended it.

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I love using the Varo Bank....

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This is the best bank I've ever experienced u guys have got to try it out u will love all the perks too!!!

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Good customer service, easy transfers, instant free transfers varo to varo which is nice with friends and family out of town, especially in the case of emergency.

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WORST BANKING EXPERIENCE OF MY LIFE. No surprise, as they are associated with Bancorp, who are also apparently the ultimate worst and have 1 star review on Better Business Bureau's website. I have been waiting four months to receive the $10K I had in my bank account that Varo closed abruptly, due to the stated reason that it "hadn't been used in 30 days." I have been chasing them for four months trying to get a check for the amount that was in my account, which again is over $10K (!), and each time they give me the run around, saying that there was a problem, but that I can expect to receive the check in 3-4 weeks. They've been telling me that for four months now. How is this legal?

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I get paid cash and I sent it to my Varo account and for no apparent reason they close my account. Customer service sucks and the fraud department has no number. What bank do you know where the fraud team doesn’t have a number. I trying to file a complaint cause this is unacceptable.

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How is this still running? They claim to be legit but it's all a big lie, if not for MRS_julía 31 on In stargrahm that stepped in i'd be in so much debt now

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Money n my pocket

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My experience with varo is good my payments come to my card two days early

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DON’T get a Varo bank account! They will close your account for no reason and with no warning! Then make you wait 14 days till they mail you your check so a total of 20+ days before you can get your money. Google it! They’ve done it thousands of people! Refuse to help you over the phone and only send generic emails. In their legal agreement with them it also states that you wave the right to participate in a class action suit making you file small claims only. This bank is scam bank! Meaning they decide to take your money when ever they want and hold it to collect the interest all while you are waiting for your check in the mail, if you ever get it. Still waiting to see if I get mine. Seen blogs about people never getting it, some do but only after 20+ days. This bank needs shut down! They’re crooks!

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I rated one star because they are the worst customer service and they take your legitimate money for suspicious activity for no reason at all. I am filing suit against them two weeks now and still have not heard nothing or where my money is. That's theft not suspicious on my end ut was a expense check I deposited that belongs to my my employer so I have money for gas and expenses.

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I AM A LONG TIME CUSTOMER OF VARO BANK. EARLY ON I HAD AN ISSUE WITH A MOBILE DEPOSIT. WITHOUT GETTING INTO DETAILS. THE REVERSED A MOBILE DEPOSIT THAT WAS NEVER POSTED TO MY ACCOUNT. SO INSTEAD OD DEPOSITING MY CHECK THEY TOOK THE MONEY OUT NOT DEPOSITING. I TRIED FOR WEEKS WITH CUSTOMER SERVICE AND HAD TO CONTACT THE CEO TO GET ANY RESOLUTION. NOW THE MOBILE DEPOSIT IS DOWN FOR OVER A WEEK THE ONLY HELP I GET IS THEM TELLING ME ITS DOWN AND THEY DON'T KNOW HOW LONG IT WILL TAKE. IT SAYS SCHEDULED MAINT. BUT NO EMAIL OR OTHER NOTICE WAS GIVEN. NOW IM STUCK WITH A PAYCHECK THAT HAS BEEN ENDORSED TO VARO BANK WITH NO WAY TO DEPOSIT. SO I WILL BE GOING BACK TO BRICK AND MORTOR BANK. ANYONE THINKING ABOUT VARO AS A BANKING OPTOIN I STRONGLY ADVISE TO LOOK AT CUSTOMER COMMENTS ON FACEBOOK REDDIT AND OTHER SOCIAL MEDIA

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Wonderful bank, very consumer friendly, and the app is easy to use.

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This bank has assisted me when major corporate banks denied me. Varo is a real bank that works for real people!

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I love Varo bank it’s awesome; but the only thing is that I cannot get the perks to upload why? That’s the only issue I have

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I needed a new card because my chip stopped working and they took care of it and I will only have to wait 6 to 9 days.

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User friendly. Online convenience. Transfer funds easily.

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So far my experience has been a nightmare, after direct deposit and it posting. It was suspended due to security reasons ,all my bills have been neglected…my life has been devastated because of it. My hard earned $ is not available after 10 days of them telling me otherwise.

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Varo does more than any other mobile app out there. I love how fast, easy and friendly varo and there customer service is ran its wonderful.

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My husband deposited a check from the Federal Government over 10 days ago and his account is locked and we could not pay for our housing or health insurance. BBB has no inforcement ability. After several calls, Varo's customer service, including, the management just hung-up the telephone as they talked over us and blurted their jargon. Telephone lines have been busy for 2 weeks bc so many bankers are adversely affected. We demand a class action lawsuit and punitive damages ASAP. We Do Not Recommend this bank bc you are tossed aside like dirty laundry if you demand honesty and expediency. All of their responses are computer generated, identical and useless. Giant disappointment all around.

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I have been with Varo for 4 years and it is the best bank ever. I honestly have never had one issue with them. When they transitioned into the new Varo that was as smooth for me at least as it has always been. I love everything about these guys the Varo advance, the up to two days early paycheck and free ATM use.

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I have used Varo Bank for over a year now, and am very happy with their banking and customer services. I recommend using this banking app!

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So got the mail stating suspicious activity after trying to get gas and it declined. This was 6 days ago and called every day to find an answer. Was given an explanation of fraudulent activity froze all accounts. I call daily asking for an explanation and just get told we are working on it and I will get an email. So night 6 no email and no explanation. Direct deposit went in and still cant use my account. Have had this account 2 weeks and this happens. So switching if I ever get my money back.

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Did my first mobile deposit and they freezes my account a week after reviewing and approving my check, which was a small amount. no one has reached out, customer service says it’s nothing they can do but wait on the security team, we’ll it’s been about a week, and I still haven’t heard from anyone after constantly being told to wait 2 business days. I wouldn’t recommend this bank, they are holding my funds and I have bills to pay and a life to live but apparently they don’t care

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Please DO NOT use this company. They have placed a hold on my daughter's account due to a payroll check they found to be suspicious! Their fraud team has been investigating for 5 days and they cannot give a time frame when this will be completed. This hold on her funds is UNACCEPTABLE when you can not provide an anticipated date of resolution. PLEASE DO NOT USE THIS COMPANY!

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Please DO NOT use this company. My daughter deposited her payroll check a 5 days ago. Upon making this deposit she was told there would need to be a fraud review of her account due to the payroll check deposit. We are now 5 days later and her funds have yet to be released. All their customer service agent can tell me is that their fraud team is behind and working to catch up. In the meantime my daughter, who is a full time college student and full time employee has no access to her funds. They can not give any time frame when this will be resolved, only that the fraud team is behind and as soon as they are caught up her funds will be released. Please DO NOT use this company. I have filed a complaint with the Consumer Financial Protection Agency but please do not become a victim of their horrible business practices.

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I really love Varo, early deposit, free atms and notification when my card is used

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I have been using varo for years now. Love that I get paid 2 days early without any issues. Great banking company

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Varo offers great and convenient online banking.

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This has made my life much easier

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I just don't think this Bank believe in equal opportunity for everyone, why did you send me a card, knowing that I was going to be denied an account?.

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I never had one problem.

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I like it, good service

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My account got closed for nothing

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Got an email from them early this morning saying they ate suspending my account with no explanation given and they would be in touch in a couple of days. I am 64 years old and collect Social Security Disability. They insinuated that I had done something shady and I can assure you I gave done nothing to deserve this treatment. Are they going to hold my direct deposit hostage when it comes in next week? This is disgraceful behavior.

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I love my Varo Bank Account because. I get my check 4 to 5 days early. I am able to check my account anytime. I can get a advance for a extremely long fee, until my next paycheck. I have monthly service fees,, and they don't let me over draft, this resulting in lots of overdraft fees.

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No issues other than not being able to use the varo advance because of one time being extra late paying it back

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Have had zero issues Varo app is fantastic Advances really help Sweepstakes Seem like they care

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This has been a great bank. I have been with them since before they broke off and started their own bank.

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We've been with varo for years now. Solid banking platform

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Great card to have. Hassle free payday early pay

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Varo has help save money and get my money faster from pay days it’s amazing to have varo they never let you down the best bank I ever had…the customer service representative is awesome

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Perfect App for money

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