To fill out a Varo Bank direct deposit form, you need two numbers: Varo’s routing number, 124303201, and your personal account number from the Varo app. The fastest path is to open the app, go to Move Money and then Direct Deposit, and either send an automatic switch through Pinwheel, email your employer a pre-filled PDF, or copy your routing and account numbers into your employer’s payroll portal.1Varo. Setting Up Direct Deposit
What the Form Asks For
Whether you use Varo’s PDF or your employer’s own authorization form, the fields are the same:
- Bank name: Varo Bank, N.A.
- Routing number: 124303201
- Account number: your unique number from the Varo app
- Account type: checking
- Bank address: 11781 S Lone Peak Pkwy, Suite 100, Draper, UT 840202FDIC. Varo Bank, National Association
The routing number is the same for every Varo customer.3Varo Bank. How to Find Varo Account and Routing Numbers for Tax Refund Direct Deposit The account number is yours alone. Most forms also ask for a signature authorizing the employer to deposit funds electronically. Read that authorization language before you sign.
Some employers request a voided check or a bank letter for verification. Varo is a mobile bank and doesn’t issue paper checks, so use the pre-filled PDF from the app in place of a voided check.
Finding Your Varo Account Number
Log in to the Varo app, tap My Varo, then Manage Cards and Accounts, and select Account Numbers.3Varo Bank. How to Find Varo Account and Routing Numbers for Tax Refund Direct Deposit Your account number will be hidden by default; toggle Show Account Number to reveal it. Copy it exactly. One wrong digit can send your pay to another account or bounce the transfer.
Three Ways to Set Up Direct Deposit Through the App
All three options live under Move Money and then Direct Deposit.1Varo. Setting Up Direct Deposit
Automatic Switch Through Pinwheel
Choose Set Up Automatically, type your employer’s name, and follow the prompts. If your employer participates, Pinwheel connects to the payroll system and moves your deposit to Varo without any paperwork.1Varo. Setting Up Direct Deposit Not every employer is in Pinwheel’s network. If yours isn’t listed, use one of the other two methods.
Pre-Filled PDF
Tap Send Form to generate a PDF that already has your name, account number, and routing number in place. Email it to your employer’s HR contact from inside the app or download and print it.1Varo. Setting Up Direct Deposit Because the details come straight from Varo’s system, there’s no chance of transposing a digit.
Copy and Paste Into a Payroll Portal
If your employer uses a self-service portal such as ADP, Workday, or Gusto, you may not need a form at all. Reveal your account number in the app, paste the routing and account numbers into the portal’s direct deposit fields, and pick checking as the account type.1Varo. Setting Up Direct Deposit Check every digit against the app before you save.
Filling Out an Employer’s Own Form
Some employers ignore bank-generated PDFs and require their own authorization form. The fields are the ones listed above, though the layout will vary.
Many employer forms also let you split your paycheck between accounts. You can send your full pay to Varo, or route a fixed dollar amount or percentage to Varo and send the rest to another bank.4Varo Bank. How To Set-up Direct Deposit Splitting is a simple way to automate savings.
Using the Same Details for a Tax Refund
The routing and account numbers that work for payroll also work for an IRS refund. In tax software, choose direct deposit and enter routing number 124303201 with your Varo account number. On a paper Form 1040, write the same numbers on the direct deposit lines.3Varo Bank. How to Find Varo Account and Routing Numbers for Tax Refund Direct Deposit
Two boundaries to know. The name on your Varo account has to match the name on the return, and on a joint return the account holder must appear as the primary or secondary filer. Varo does not accept business tax refunds; only personal returns qualify.5Varo. Tax Refunds The IRS generally cannot correct a wrong routing or account number after a return is filed. A failed deposit means the IRS mails a paper check instead, adding weeks to the wait.3Varo Bank. How to Find Varo Account and Routing Numbers for Tax Refund Direct Deposit
After You Submit
Hand the completed form to your employer’s HR or payroll department, or upload it through their self-service portal. Portal submission is faster because it removes the manual data-entry step on the employer’s side.4Varo Bank. How To Set-up Direct Deposit
Most employers need one to two pay cycles to activate a new direct deposit. During that gap you may still receive a paper check or a deposit to your old account. Ask payroll when the switch is scheduled to take effect so your first Varo payday isn’t a guess. If a deposit doesn’t arrive when expected once it’s live, start with your payroll department; the issue is usually on the employer’s side rather than the bank’s.
Keeping the Numbers Safe
Your routing and account numbers are the keys to your bank account. If you email the pre-filled PDF, send it only to your employer’s official HR or payroll address, not to a personal email a coworker passed along. When entering details in a self-service portal, confirm the site is your employer’s real payroll page before typing anything.
Don’t text your account number to anyone, even a payroll coordinator who says it will speed things up. Once that number is in a text, it lives on both phones and on a carrier’s servers. If your employer needs a hard copy, hand it directly to the payroll contact rather than leaving it in a shared inbox. Once your deposit is live, you don’t need extra printed copies around. The Varo app has the numbers whenever you need them again.