Question 1

Can Varo's early payday feature be used with any employer?

Accepted Answer

Yes, Varo works with virtually all employers who offer direct deposit. Simply provide your Varo account and routing numbers to your HR or payroll department. If you want to be sure, you can quickly confirm with your employer that they support standard direct deposit, as Varo's early access works within that framework.

Question 2

Do I need to sign up for early direct deposit?

Accepted Answer

No, there's no separate sign-up required. Once you set up direct deposit to your Varo Bank Account, you're automatically eligible for early access to your paycheck.

Question 3

Is my direct deposit guaranteed to be 2 days early?

Accepted Answer

While we post your deposit as soon as we receive it—eliminating any holding periods—we can't guarantee a full two-day early arrival every time. The timing depends on when your employer submits their payroll data. If they submit it later than usual, your deposit will reflect that. Rest assured, though, you'll get your funds as soon as we do.

Question 4

Do holidays or weekends affect when my Varo direct deposit is available?

Accepted Answer

Varo always posts your direct deposit as soon as we receive it from the Federal Reserve. However, this may shift slightly if it falls on a weekend or holiday because employers adjust their payroll schedules to account for bank processing closures, ensuring you still get paid on time—this means payday will usually hit earlier than usual. For example, if you're scheduled to get paid on Saturday, your employer might send the payroll file with an 'effective date' of the day before (Friday). Varo will post the funds as soon as we receive that file, which could be a day or two earlier. If you're curious how a specific weekend or holiday might affect your paycheck's arrival, it's best to check with your employer's payroll department.

Question 5

Once direct deposit is received, can funds be accessed right away?

Accepted Answer

Absolutely. As soon as we receive and process your direct deposit, the funds are immediately available in your Varo Bank Account without additional holds or delays. Spend using your Varo debit card and Believe credit-builder card3, or withdraw cash for free from a network of 40,000+ Allpoint® ATMs (see available locations).

Question 6

Are there any fees associated with using Varo’s early direct deposit?

Accepted Answer

Nope! Early direct deposit is included as a free feature for all customers who have set up direct deposit for their Varo Bank Account.

Question 7

Is my early direct deposit safe and secure with Varo?

Accepted Answer

Yes, your security is our top priority. Varo employs bank-level encryption and advanced security measures to protect your financial information. Your funds are also FDIC insured up to $250,000, providing an extra layer of security and peace of mind.

Question 8

Does early direct deposit affect my credit score?

Accepted Answer

Nope! Early direct deposit is simply about accessing your existing wages sooner. It has no impact on your credit score.

Question 9

What happens if my paycheck amount is incorrect or not deposited early?

Accepted Answer

Your employer controls the amount and timing of your paycheck. If there's a discrepancy, please contact your HR or payroll department directly to resolve the issue.

Question 10

Can I use early direct deposit for government benefits or tax refunds?

Accepted Answer

Yes, you can receive government benefits or tax refunds via direct deposit into your Varo account. However, please note that processing times for these types of deposits can vary and may not always align with the two-day early access timeframe. Government agencies and tax authorities have their own processing schedules.

Question 11

Does Varo offer support for issues related to early direct deposit?

Accepted Answer

Issues related to the timing or amount of your direct deposit should be directed to your employer’s HR or payroll department. See our direct deposit support article or contact our team with any further questions.

Early direct deposit

It’s nice getting

paid early.

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What is early direct deposit?

An easy way to get your money sooner.

How it works:

Benefits of early direct deposit

Get ahead of the unexpected.

How to get your paycheck earlier.

Go beyond early payday

More than just early access to your paycheck.

MAKE WEDNESDAY THE NEW FRIDAY.