{"account":{"slug":"varo-bank-account","bank":"Varo Bank","name":"Bank Account"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.varomoney.com/","history":[{"date":"2026-06-11","apy":"None on checking; Varo Savings pays 2.50% base and 5.00% on the first $5,000 with qualifying activity","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs; $3.50 out-of-network fee, no rebates","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None on checking; Varo Savings pays 3.75% on the first $5,000 with qualifying activity and 1.00% otherwise","monthlyFee":"$0","minimumOpen":"None","atm":"Fee-free at U.S. Allpoint ATMs; $3.50 out-of-network fee, no rebates","note":"Savings cut to 3.75% on the first $5,000 with $1,000+ direct deposit (was 5.00%) and 1.00% otherwise (was 2.50%), rates as of 7/1/2026; advance range now $20-$250 rising to $700; Allpoint access and $3.50 out-of-network fee reconfirmed","sourceUrl":"https://www.varomoney.com/","sourceLabel":"Varo Bank home page"}],"verificationEvents":[{"id":"89def864-8b48-4b61-a536-2641489fd552","entityType":"bank-account","slug":"varo-bank-account","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.329Z","sourceUrl":"https://www.varomoney.com/","sourceLabel":"Varo Bank home page","outcome":"changed","summary":"Savings cut to 3.75% on first $5,000 with $1,000+ direct deposit and 1.00% base (rates as of 7/1/2026); advance $20-$250 rising to $700","changedFields":["tagline","apy","features","atm","pros","cons","ourTake"],"facts":{"savingsBoosted":"3.75% to $5,000","savingsBase":"1.00%","oonAtmFee":3.5},"previousHash":"44d07e8f1805173beac63f9d67d227719e9abb28a9803fe12de5f4a43f94248c","recordHash":"a4e194da8a8536d69c11c3778e0a9175d69aeb2195f14db1160b4e413467469d"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}