Varo Bank's headquarters and physical locations
Varo Bank is headquartered in San Francisco, California, but the company operates as an online-only bank with no physical branch locations. You cannot walk into a Varo office to deposit cash, withdraw money, or speak to someone in person. All banking happens through their mobile app, website, or by phone.
The San Francisco headquarters is where Varo's executive team and support operations are based. If you need to send mail to the company for legal documents or formal correspondence, the mailing address is available on their official website under "Contact Us." However, for routine banking questions or account issues, you will reach customer service by phone or through the app—not by visiting a physical location.
Key Takeaways
- Varo Bank's main office is in San Francisco, California, but there are no customer-facing branch locations anywhere in the country.
- All account management, transfers, and customer support happen through the Varo mobile app, website, or phone line.
- You can deposit checks remotely using mobile check deposit through the app rather than mailing them or visiting a branch.
- ATM access is available through Varo's network partnerships, which you can locate using the ATM finder in the app.
- For mailed correspondence, use the address listed on Varo's official website, though phone or app contact is faster for most issues.
How to access your Varo account without a physical branch
Since Varo operates entirely online, you manage your account through the mobile app (available on iOS and Android) or through their website on a computer. You can check your balance, transfer money, pay bills, and review transactions anytime without needing to visit a location.
For deposits, use the mobile check deposit feature in the app—photograph the front and back of a check, and Varo processes it electronically. This typically takes one to two business days. Direct deposit from your employer also works the same way as any other bank.
Withdrawals happen through ATMs or by transferring money to another bank account. Varo partners with ATM networks to give you access to thousands of machines nationwide, and you can search for nearby ATMs directly in the app.
Contacting Varo customer service
Customer service is available by phone during business hours. The phone number is listed on the Varo website and in your app. You can also message Varo through the app itself for non-urgent questions, and they typically respond within one business day.
For account problems, fraud reports, or urgent issues, calling is faster than messaging. Have your account number and a form of identification ready when you call. If you are outside the United States or calling from an international number, check the website for international dialing options.
ATM access and cash withdrawals
Varo does not have its own ATM network, but the bank partners with third-party networks to let you withdraw cash. The specific networks vary, so use the ATM finder tool in the Varo app to see which machines near you accept Varo cards. Most major ATM networks are included, which means you have access to tens of thousands of machines.
Some ATMs charge a fee for out-of-network withdrawals. Varo may reimburse certain fees depending on your account type, so check your account details in the app or ask customer service about fee policies.
Mailing address for legal or formal documents
If you need to send documents to Varo—such as a power of attorney form, notarized paperwork, or legal correspondence—the mailing address is on the company's official website under "Contact Us" or "About Us." Do not mail checks or cash; use mobile deposit or direct deposit instead.
Include your account number and full name on any mailed document so Varo can match it to your account. Allow two to three weeks for mailed items to be processed, since mail takes time to arrive and be routed internally.
Why Varo operates without physical branches
Online-only banks like Varo keep costs lower by eliminating the expense of maintaining branch buildings, staffing them, and managing in-person operations. Those savings are often passed to customers through lower fees or higher interest rates on savings accounts. The trade-off is that you cannot deposit cash in person or speak to someone face-to-face.
If you need to deposit cash regularly, you may want to keep a secondary account at a bank with branches, or use a third-party service like MoneyLion or Walmart that lets you deposit cash into your Varo account for a fee. Check Varo's website for current cash deposit options, as partnerships change.
Frequently Asked Questions
Can I deposit cash at a Varo location?
No, Varo has no physical locations. You can deposit checks using mobile check deposit in the app, or set up direct deposit from your employer. For cash deposits, explore third-party services listed on Varo's website, though these typically charge a fee.
What if I need to speak to someone in person?
Varo does not offer in-person meetings. Call customer service by phone or message through the app. For complex issues, a phone call is your best option and usually resolves problems faster than other methods.
Can I visit the San Francisco headquarters?
The San Francisco office is not open to customers for banking services. It is an administrative and operations center. All customer support is handled remotely by phone or app.
Are there any Varo ATMs I can use?
Varo does not own ATMs, but you can use thousands of partner ATMs nationwide. Search the ATM finder in the Varo app to locate machines near you. Some may charge out-of-network fees depending on the operator.
How long does it take to get a response if I mail something to Varo?
Mailed documents typically take two to three weeks to be processed after arrival. For urgent matters, call customer service instead, as phone support is much faster than mail.