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Varo Bank: Online Banking
Varo Bank: Online Banking Vs. GO2bank: Mobile banking

Varo Bank: Online Banking vs. GO2bank: Mobile banking Utilizzo e statistiche

Varo isn’t just an online banking app. We are a real bank, built for the digital age. Free online banking, early payday³, high yield savings⁷, credit score monitoring, easy credit building⁶, automatic cashbackᵟ, instant cash advances (once qualified)², & more. Quals apply. Fees apply to loans & out-of-network servicesᐞ. Member FDIC—mobile banking backed by the full faith & credit of the U.S. Government. FREE ONLINE BANKING • Early payday³ • No minimums or hidden feesᐞ • Free debit card • Free cash deposits at CVS®ᙾ and withdrawals at 40k+ Allpoint® ATMs⁴ • Free credit score monitoring • Automatic cashbackᵟ—no activation required or single-day windows • Mobile check deposit (quals apply)ᵟ • Digital wallet (select customers)ᵟ • Unlike many money apps, we’re a real bank INSTANT CASH ADVANCES • Borrow up to $250 today by linking a qualifying account² • Work up to $500 cash advances over time with direct deposit² • Cash advance funded directly into your online bank account • 30 days to repay (better than a payday advance) • One-time flat fee per cash advance • Automatic payments available for money advances⁸ PERSONAL LINE OF CREDIT • Unsecured personal line of credit from $600 to $2,000 (quals apply)⁵ • No interest, late fees, or penalties • Credit line with a simple flat fee • Affordable monthly payments • Personal loan funded instantly, once qualified • Money added to your online bank account • Payment periods between 3 & 12 months EASY CREDIT BUILDER • Free secured credit card for credit building⁶ • No credit check, interest, annual fees, or min security deposit • Build credit by only spending what you have⁹ • Automatic payments available via Safe Pay¹⁰ • Reported to Equifax, Experian, & TransUnion • Pre-existing credit scores saw a 40+ point increase on avg after 3 months of on-time payments¹¹ • 90% of users with no credit score had a score after one month¹² • Quals: Must have an active Varo Bank Account in good standing & incoming deposits of $200 or more in the past 31 days. HIGH YIELD SAVINGS • Up to 5.00% annual percentage yield on first $5,000, quals apply⁷ • 2.50% APY on additional balances • Auto-saving tools SEND MONEY • Use recipient’s phone number or email address, even if they aren’t a Varo customer • Fast, secure, & free! DOWNLOAD NOW! • Sign up for an online bank account in less than two minutes with no impact on your credit — Disclosures ©2025 Varo Bank, N.A. All Rights Reserved. Member FDIC 1-7 See disclosures in final app screenshot above ⁸ Set up an automatic payment to your Varo Advance Account on any date you choose between 15 and 30 days from the day you get your Advance ⁹ Your spending limit can’t exceed your available to spend balance in your Varo Believe Secured Account, up to $2,500 per day for purchases or $1,000 a day for cash advances, totaling no more than $10,000 total per billing cycle ¹⁰ By enrolling in Safe Pay, you authorize Varo Bank to auto pay your Varo Believe Card balance in full at the end of your billing cycle from funds in your Varo Believe Secured Account, before your actual due date. If the amount owed is more than your Secured Account balance your payment will not be made. You will have twenty-one (21) days to deposit additional funds to make your payment on time. ¹¹ As of November 18, 2024, customers who had an existing VantageScore® 3.0 credit score showed an average increase of approximately 40 points after three months using Varo Believe and on time payments. Individual results may vary, and some customers may not see a score increase ¹² As of November 14, 2024. Data based on comparison between VantageScore® 3.0 score from the initial pull after Believe card activation and the VantageScore® 3.0 score pulled after one month of reporting Believe Card activity. Individual results may vary ᐞ A full list of Varo fees can be found at www.varomoney.com/varo-fees ᙾ See “Free Cash Deposits at CVS®” screenshot above ᵟ Additional information: www.varomoney.com/disclosures/

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#631

GO2bank: Mobile banking

A BETTER WAY TO BANK—GET STARTED TODAY GO2bank™ makes managing your money easier than ever. Open your account in minutes, grow your savings, and stay covered with overdraft protection, all with the secure mobile banking app designed for your everyday life. NO HIDDEN FEES—JUST SMART BANKING GO2bank puts simple, transparent banking tools at your fingertips so you can skip the monthly fee with eligible direct deposit⁴, avoid hidden fees, and manage your money your way. OVERDRAFT PROTECTION FOR LIFE’S CURVEBALLS Get up to $300 in overdraft protection after eligible direct deposits and opt-in¹. GET PAID EARLY—STAY A STEP AHEAD Get your paycheck up to 2 days early or government benefits, like unemployment, up to 4 days early when you set up direct deposit². Start getting your money on your schedule. SAVE SMARTER WITH 4.50% APY Grow your savings faster with a high-yield savings account that earns 4.50% APY with interest earned quarterly on balances up to $5,000⁶. BUILD CREDIT WITH A GO-TO Start building your credit score, one purchase at a time, one on-time payment at a time, with the GO2bank Secured Visa® Credit Card³. SECURITY & PEACE OF MIND Keep your money safe with built-in tools you can trust. Lock your card anytime⁸, get real-time fraud alerts⁹, and rest easy knowing your money is FDIC-insured¹⁰. NATIONWIDE CASH ACCESS Withdraw cash for free at thousands of in-network ATMs⁵ or deposit cash at over 90,000 major retailers nationwide⁷. Just use our in-app locator to find locations nearby. Download the GO2bank app today to open an account and start banking with convenience, confidence, and control. LEGAL DISCLOSURES Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. 1. Fees, terms and conditions apply. Learn more at GO2bank.com/overdraft 2. Early direct deposit availability depends on payor type, timing, payment instructions and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. 3. Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. 4. Monthly fee waived when you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise, $5 per month. See our simple fees chart at GO2bank.com/fees 5. See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply. 6. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) as of August 2025. APY may change before or after you open an account. 7. Retail service fee up to $4.95 and limits apply. 8. Previously authorized transactions and deposits/transfers to your account will function with a locked card. 9. Message and data rates apply. 10. Green Dot Bank also operates under the following registered names: GO2bank, GoBank and Bonneville Bank. All other registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. See Deposit Account Agreement at GO2bank.com/daa for details. Cards issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Technology Privacy Statement - www.go2bank.com/techprivacy