Short answer: Kronos for the four-feature combo; Varo for a real bank charter.
Varo holds its own US bank charter and posts a 5% APY headline (only on the first $5k with $1k+ direct deposit). Kronos pays 2.5% APY on the full balance with no conditions, plus offers $1,000 pay advances and 30+ cryptos at $0 fee on Pro — features Varo does not have.