App works well. However banking w/ Varo is a nightmare. Anything over $2k in/out of yr account they block. Can't deposit checks over $1K. Can't add external accounts to move money from Varo into. My husband also has Varo, he can't transfer from Varo TO Varo over $1500. Customer service call hold time is 1hr, for email it's 1 whole week PER response..probably because you have to ask permission to do anything. Plus they spam you with email ads. Looking for a new bank currently..wouldn't recommend