Chime vs Varo Bank
Chime is a banking app that offers an online account with early paycheck access and credit builder features. How does it compare to Varo Bank? Read our comparison chart below.
Chime | Varo Bank | |
|---|---|---|
Get Started - | Varo Bank Account - | |
Benefits and Features | ||
| Savings | 1.00% Annual Percentage Yield (APY).
 | 2.50% APY on all balances. Opportunity to earn 5.00% APY if your daily savings balance does not exceed $5,000 AND you make at least 5 Varo debit card purchases per month AND receive at least $1,000 in direct deposits in either the Varo Bank Account or Savings Account. |
| Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | No monthly service fee; no minimum balance; no overdraft fees |
| Monthly Fee | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance 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... | |
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. Varo Bank: Pricing information from published website as of 06/21/2025. | ||
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chime or Bank of America.
Articles on Chime
Chime Review
Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.
Chime Locations
Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.
Online Banks Like Chime
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