Fresh update.... The following is what varo sent me.... "a transaction from a merchant that did not process correctly, so we manually posted it to your account. The transaction in question was made on 01/18 for $9.75 from" a convince store. Put my balance in the neg., i didn't keep track of bc i expected the banking app to do this for me as a perk. When i tried to get gas i couldn't bc ur company's computer system didn't calculate properly. Stranded my disabled mother and i for hours in cold.