Edited from 5 star review because I am constantly being bombarded by email, text and notifications to refer friends for $50. I can understand the occasional message or email but this is outright spam. I was loving varo and all the features it offered, but I have decided to move to chime because of all the spam. Reduce the spam and you are top notch. Now my direct deposit got bounced back. I guess my review pissed the company off so they closed my account. Lol.