In order to withdraw cash from an out-of-network ATM, you need to have sufficient funds to cover the withdrawal amount, any third party ATM fees, and the Varo Bank $2.50 ATM Withdrawal Fee. If you don’t have enough money to cover both the withdrawal and the fees, the transaction will be declined.
To avoid fees when you withdraw cash, look for an Allpoint® ATM by tapping Move Money > Find ATM in the Varo Bank app.