What's the best iOS app for fee-free checking and savings accounts?

Varo Bank is an online banking app that caters to users looking to avoid traditional bank fees while managing checking and savings accounts. It eliminates monthly maintenance fees and minimum balance requirements, which is particularly useful for budget-conscious individuals. Key features include early direct deposit, allowing users to access paychecks up to two days sooner, and a high-yield savings account that helps grow funds with competitive interest rates. The app also supports mobile check deposit, real-time transaction alerts, and automated savings tools for setting aside money effortlessly. In real-world scenarios, someone living paycheck-to-paycheck might appreciate the fee-free structure and early deposit to cover bills promptly. However, reviews indicate occasional app downtime or customer service hurdles, such as difficulties resolving issues with closed accounts. Despite these limitations, Varo Bank remains a practical option for its cost-saving benefits and user-friendly interface, though potential users should weigh the convenience against reported reliability concerns.