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 + direct deposit). Kronos pays 2.5% APY on the full balance with no conditions, plus offers gig earnings tracking and 30+ cryptos at $0 fee on Pro — features Varo does not have.