Varo Bank fees
Varo Bank, N.A. prints a fee disclosure dated February 2026. This page copies the ATM, cash, and Varo Advance lines from that PDF. It is not the same list as [Chime account fees](/guides/chime-account-fees).
Last updated: October 21, 2026
Last checked: Oct 2026
ATM and cash
Opened 21 October 2026. Source: the Varo Bank fee disclosure, updated February 2026. The Varo Bank Account section does not print a monthly service fee, and it does not print an overdraft fee. The savings section prints "No Fees."
Allpoint ATMs in the US and Puerto Rico are free. An out-of-network or international ATM withdrawal is $3.50 per transaction. A cash deposit at the stand-alone CVS locations in the Green Dot network is free, except locations inside hospitals, on military bases, or in Target. At the other retail locations the disclosure names, Varo does not assess a fee, and the retailer may charge up to $5.95. An over-the-counter cash withdrawal is $2.50.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the disclosure prints |
|---|---|
| Allpoint ATM in the US or Puerto Rico | Free |
| Out-of-network or international ATM | $3.50 per transaction |
| Cash deposit at listed stand-alone CVS locations | Free, with the location exceptions on the PDF |
| Cash deposit at other listed retailers | No fee from Varo. The retailer may charge up to $5.95 |
| Over-the-counter cash withdrawal | $2.50 per transaction |
| Varo Savings Account | No fees |
Varo Advance is a separate fee
Varo Advance is a fee added to the advance when you request it. The disclosure says you see the fee in the app and agree to it there. The fee depends on the advance amount and on whether you had $800 in deposits to Varo this month or last month. These are the rows the February 2026 PDF prints. They are not an overdraft fee.
| Advance | With $800 in deposits this month or last | Without those deposits |
|---|---|---|
| $20 | $1.60 | $2.00 |
| $50 | $4.00 | $5.00 |
| $75 | $6.00 | $8.00 |
| $100 | $8.00 | $10.00 |
| $150 | $12.00 | $15.00 |
| $200 | $16.00 | $20.00 |
| $250 | $20.00 | $25.00 |
| $300 | $24.00 | $30.00 |
| $400 | $32.00 | $40.00 |
| $500 | $40.00 | $50.00 |
Questions
- Does Varo charge a monthly fee?
- The February 2026 disclosure does not print a monthly service fee on the Varo Bank Account. The savings section prints no fees.
- What does Varo charge at an out-of-network ATM?
- The disclosure prints $3.50 per transaction at an out-of-network or international ATM. Allpoint ATMs in the US and Puerto Rico are free.
- Is Varo Advance an overdraft fee?
- No. The disclosure prints a separate advance fee. A $100 advance is $8.00 if you had $800 in deposits this month or last month, and $10.00 if you did not. The disclosure does not print an overdraft fee.
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