I gave a great review for VARO, until they screwed me over, several times and I finally got a real good online card CHIME IS THE BEST. VARO allowed on more than 6 occasions let money be taken out of my account and I had changed my card to new card so they didn't have my new information but VARO still let them take money out of my account and refused to give my money back even though it was varos fault and stupidity and just horrible banking. IF YOU USE VARO BANK YOUR ASKING FOR TROUBLE, MIGRAINE