{
  "slug": "varo-bank",
  "name": "Varo Bank, National Association",
  "shortName": "Varo Bank",
  "type": "bank",
  "fdicCert": "59190",
  "website": "https://www.varomoney.com",
  "hqCity": "Draper",
  "hqState": "UT",
  "totalAssets": 374270,
  "totalAssetsUnit": "thousands-usd",
  "description": "FDIC-insured bank headquartered in Draper, UT.",
  "profileSourceName": "FDIC BankFind Suite",
  "profileSourceUrl": "https://banks.data.fdic.gov/api/institutions?filters=CERT:59190&format=json",
  "profileLastVerified": "2026-06-28",
  "websiteDomain": "varomoney.com",
  "indexableRoutingCount": 0,
  "verifiedRoutingEvidenceCount": 0,
  "routingLookupEvidenceCount": 1,
  "routingStateCoverage": [],
  "routingNumbers": [],
  "routingLookupInstructions": [
    {
      "title": "Find routing and account numbers in the Varo app",
      "sourceName": "Varo routing and account number support article",
      "sourceUrl": "https://support.varomoney.com/hc/en-us/articles/21993040970900-Routing-and-Account-Number",
      "lastReviewed": "2026-06-28",
      "requiresLogin": true,
      "channels": [
        "mobile app"
      ],
      "steps": [
        "Open the Varo app and go to the Home page.",
        "Select the Bank or Savings Account that needs routing/account details.",
        "Tap the gear symbol in the top-right corner.",
        "Toggle Show account number(s) to display the selected account's routing and account number."
      ],
      "evidence": [
        {
          "url": "/data/evidence/routing-lookup/varo-bank-fe489815c8.png",
          "capturedAt": "2026-06-28",
          "label": "Captured official lookup instructions"
        }
      ],
      "note": "Varo documents routing/account lookup inside the app, so fin.codes treats this as self-service guidance instead of a public universal routing number."
    }
  ],
  "relatedBanks": [
    "ally-bank",
    "alpine",
    "america-first",
    "american-express-national-bank"
  ],
  "lastVerified": "2026-06-28",
  "dataScore": {
    "value": 66,
    "grade": "developing",
    "label": "Useful coverage",
    "summary": "Useful coverage: has source-backed profile facts but no routing records yet. The score reflects source depth and confidence, not bank safety or product quality.",
    "components": [
      {
        "id": "profile",
        "label": "Profile facts",
        "value": 83,
        "description": "Regulator/source profile includes headquarters plus useful public institution facts."
      },
      {
        "id": "routing",
        "label": "Routing confidence",
        "value": 24,
        "description": "No routing records are published for this profile yet."
      },
      {
        "id": "review",
        "label": "Review coverage",
        "value": 58,
        "description": "No outstanding candidate-review signal is attached to this profile."
      },
      {
        "id": "freshness",
        "label": "Freshness",
        "value": 100,
        "description": "Profile and routing source dates are recent for this build."
      }
    ],
    "factors": [
      "Regulator or official profile source",
      "FDIC certificate linked",
      "Official self-service routing lookup instructions",
      "No routing records published yet",
      "Recently reviewed source dates"
    ]
  },
  "routingProof": {
    "value": 0,
    "grade": "none",
    "label": "Profile only"
  }
}