Varo Bank

### Varo Bank Mobile App - User Guide Welcome to Varo Bank! This guide will help you navigate and make the most out of your Varo Bank mobile app. Follow these steps to manage your finances easily and effectively. #### 1. **Setting Up Your Varo Account** - **Download and Install the App**: Get the Varo Bank app from the App Store (iOS) or Google Play Store (Android). - **Create an Account**: Open the app and follow the on-screen instructions to set up your Varo Bank Account. You’ll need to provide basic information such as your name, address, and Social Security number. - **Set Up Direct Deposit**: Maximize your benefits by setting up direct deposit. This allows you to receive your paycheck up to two days early. #### 2. **Navigating the Home Screen** - **Account Overview**: View your current balance and recent transactions. The home screen gives you a snapshot of your account activity. - **Quick Actions**: Access key features such as sending money, checking your credit score, or viewing account details with just a tap. #### 3. **Managing Your Money** - **Transfer Funds**: Easily move money between your Varo Bank accounts or linked external accounts. Simply tap “Transfer” and follow the prompts. - **Bill Pay**: Use the app to pay your bills on time. Set up recurring payments to never miss a due date. - **Deposit Checks**: Deposit checks directly into your account using your smartphone camera. Tap on “Deposit” and follow the instructions to capture and submit your check. #### 4. **Using Varo Believe - Credit Builder** - **Activate Your Varo Believe Card**: If eligible, start building your credit with the Varo Believe Card. No security deposit required. - **Monitor Your Credit Score**: Check your credit score regularly within the app and track your progress as you make timely payments. #### 5. **Getting a Cash Advance with Varo Advance** - **Request an Advance**: Need extra cash? Use Varo Advance to borrow up to $500. Repay the advance when you receive your next paycheck. - **Repayment**: View your repayment schedule and ensure timely payments to maintain a positive account standing. #### 6. **Saving with Varo Savings Account** - **Set Up Auto-Save**: Automate your savings by setting up auto-transfers from your checking to your savings account. - **Track Your Savings Goals**: Monitor your progress towards financial goals with the app’s savings tools. - **Interest Rates**: Earn up to 5.00% APY on your savings by meeting certain criteria. Review your account to see how you can qualify. #### 7. **Security Features** - **Enable Face ID/Touch ID**: For quick and secure access to your account, set up biometric authentication. - **Set Up Alerts**: Stay informed with notifications about account activity, deposits, and more. - **Lock/Unlock Your Card**: Misplaced your card? Instantly lock or unlock it from within the app to prevent unauthorized use. #### 8. **Accessing Support** - **Help and Support**: If you need assistance, visit the support section in the app to chat with a representative, or browse FAQs. - **Security Center**: Learn more about how Varo protects your data and what you can do to secure your account. #### 9. **Logging Out** - **Secure Logout**: When you’re done, ensure you log out of the app to protect your account information. #### 10. **Additional Features** - **ATM Locator**: Find the nearest fee-free ATM using the ATM locator in the app. - **Credit Building Tips**: Use the educational resources available in the app to learn more about improving your credit score.