Does Varo Pay Early? Here’S What You Need To Know

Getting paid early can be a huge help when money is tight. If you use Varo Bank as your primary bank account, you may be wondering: does Varo pay early? In short, yes – Varo offers early direct deposit, allowing you to get paid up to 2 days before payday.

Keep reading as we break down exactly how Varo’s early pay works, who is eligible, what other banks offer early deposit, and more.

If you’re pressed for time, here’s a quick answer: Varo offers early direct deposit that allows you to get paid up to 2 days early, but eligibility depends on when your employer submits payroll and your bank. Many major banks like Chase and Bank of America don’t offer early deposit.

What is Varo Early Direct Deposit?

Varo Early Direct Deposit is a feature offered by Varo, a mobile banking app, that allows users to receive their paychecks up to two days early. It is a convenient and efficient way to access your funds ahead of the traditional payday.

Definition of early direct deposit

Early direct deposit refers to the practice of receiving your paycheck before the official payday. Instead of waiting for your employer to process and distribute your salary on a specific date, you can access your funds in advance through Varo’s Early Direct Deposit feature.

How Varo’s early pay works

Varo partners with employers and the Automated Clearing House (ACH) network to facilitate early direct deposit. Once your employer initiates the payment process, Varo receives the funds and makes them available to you ahead of schedule.

This means you can get a head start on paying bills, meeting financial obligations, and even indulging in a little extra treat for yourself.

What days Varo pays early

Varo typically pays early on business days, which are Monday through Friday, excluding holidays. The specific timing of when you receive your funds may vary based on factors such as your employer’s payroll schedule and the ACH network’s processing times.

However, Varo strives to ensure that you have access to your money as soon as possible.

It’s important to note that while Varo aims to provide early access to funds, they cannot guarantee that your paycheck will always be available ahead of schedule. Factors such as your employer’s payroll practices, the ACH network’s processing times, and unforeseen circumstances may impact the timing of your deposit.

To stay updated on the latest information regarding Varo’s Early Direct Deposit feature, you can visit their official website at

Who is Eligible for Varo Early Pay?

If you’re wondering who is eligible for Varo Early Pay, you’re in the right place. Varo Early Pay is a feature offered by Varo Money, a mobile banking app that aims to provide financial services to individuals without the hassle of traditional banks.

With Varo Early Pay, users can receive their paychecks up to two days early, giving them access to their funds sooner.

Requirements for early direct deposit with Varo

To be eligible for Varo Early Pay, you need to have a Varo Bank Account and receive direct deposits from your employer. It’s important to note that not all employers support early direct deposit, so it’s worth checking with your employer beforehand.

Additionally, Varo may require you to have a certain amount of direct deposit activity or meet other criteria to qualify for Early Pay.

Types of income that qualify

Varo Early Pay is not limited to just paychecks. Other types of income that may qualify for early direct deposit include government benefits, such as Social Security, disability, or veterans’ benefits.

It’s always a good idea to check with Varo or your employer to confirm whether your specific type of income is eligible for Early Pay.

Employers that support early deposit

Varo partners with a wide range of employers to offer Early Pay to their employees. Some of the notable employers that support early direct deposit with Varo include Walmart, Uber, Lyft, and Amazon. However, this list is not exhaustive, and there may be many more employers that offer this feature.

It’s best to check with Varo or your employer to see if they support early direct deposit.

When Will I Get Paid Early with Varo?

Varo is a popular mobile banking app that offers early access to your paycheck. Many people wonder when exactly they will receive their funds. Let’s take a closer look at the factors that determine when you can get paid early with Varo.

Payroll submission deadlines

The timing of your early paycheck deposit with Varo depends on your employer’s payroll submission deadlines. Typically, employers submit payroll information to banks one to two business days before the actual payday.

This allows the banks to process the transactions and ensure that the funds are available on time.

With Varo, you can receive your paycheck up to two days earlier than the scheduled payday. However, the exact timing may vary depending on when your employer submits the payroll information. It’s important to keep in mind that not all employers have the same submission deadlines, so the early access timeframe may differ from person to person.

Weekends and holidays

Another factor that can affect the timing of your early paycheck deposit with Varo is weekends and holidays. If your payday falls on a weekend or a bank holiday, the processing time may be delayed. Banks typically do not process transactions on weekends or holidays, so you may need to wait until the next business day to receive your funds.

It’s important to note that Varo works hard to ensure that you get your paycheck as early as possible. They strive to process transactions quickly and efficiently, but external factors such as weekends and holidays can sometimes cause delays.

Varo vs. Other Banks for Early Direct Deposit

When it comes to early direct deposit, Varo Money stands out from many traditional banks. With Varo, you can receive your paycheck up to two days earlier than with most banks. This can be a significant advantage for individuals who rely on their paycheck to cover expenses or need access to funds quickly.

Banks that offer early direct deposit

While Varo is known for its early direct deposit feature, it’s not the only bank that offers this service. Many online banks and digital banking platforms also provide early access to funds. Some of the popular banks that offer early direct deposit include:

  • Chime
  • Ally Bank
  • Axos Bank
  • Simple
  • Green Dot Bank

These banks understand the importance of providing their customers with quick access to their money and have implemented systems to enable early direct deposit.

Banks that don’t offer early deposit

While many banks offer early direct deposit, there are still some that do not provide this feature. These banks may follow the traditional banking model, where direct deposits are processed on the scheduled payday.

It’s essential to check with your specific bank to determine if they offer early direct deposit. Some banks that don’t offer early deposit include:

  • Bank of America
  • Wells Fargo
  • Citibank
  • JPMorgan Chase
  • PNC Bank

If early direct deposit is crucial to you, it may be worth considering switching to a bank that offers this feature.

Credit unions with early pay

Credit unions are another alternative to traditional banks, and some credit unions offer early direct deposit as well. While the availability of this feature may vary depending on the credit union, it’s worth exploring credit unions in your area to see if they provide early pay.

Some credit unions known for offering early direct deposit include:

  • Navy Federal Credit Union
  • Security Service Federal Credit Union
  • Alliant Credit Union
  • PenFed Credit Union
  • Golden 1 Credit Union

Remember to research the specific credit union’s policies and requirements before deciding to switch from a traditional bank.

Other Ways to Get Early Access to Paychecks

Pay advances and payday loans

If you need access to your paycheck early, one option to consider is a pay advance or a payday loan. Pay advances are typically offered by employers and allow you to receive a portion of your paycheck before your scheduled payday.

On the other hand, payday loans are short-term loans that allow you to borrow money against your future paycheck. However, it’s important to exercise caution when considering these options. Payday loans often come with high interest rates and fees, which can make them a costly solution in the long run.

Overdraft protection

Another way to get early access to your paycheck is by using overdraft protection. Many banks offer this service, which allows you to link your checking account to a savings account or a line of credit.

If you have insufficient funds in your checking account, the bank will automatically transfer money from your linked account to cover the transaction. While this can provide a temporary solution, it’s important to note that the funds transferred may still be deducted from your next paycheck.

Credit cards

Using a credit card can also be an option to access funds before your paycheck arrives. Some credit card companies offer features like cash advances or the ability to make a purchase and pay it off later.

However, it’s important to be mindful of the interest rates and fees associated with these transactions. Additionally, relying too heavily on credit cards can lead to debt if not managed responsibly.

It’s important to carefully consider these alternatives and weigh the pros and cons before deciding which option is best for you. Additionally, it’s always a good idea to consult with a financial advisor or a trusted source to ensure you make an informed decision.


Getting access to your paycheck even a couple days early can provide much-needed relief if you’re living paycheck to paycheck or dealing with an emergency expense. While Varo offers one of the most competitive early direct deposit programs, there are other banks to consider if Varo doesn’t work for your circumstances.

The availability of early direct deposit depends on your specific employer’s payroll submission schedule. Check with your HR department to see when they submit payroll and discuss options for early pay access. With proper planning, you can get the money you’ve earned faster.

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