T-Mobile MONEY


T-Mobile MONEY puts you and your money first with no minimum balances, no account fees, no overdraft fees, and over 55,000 no-fee Allpoint® ATMs. Plus, when you set up direct deposit for your paycheck you can get paid up to 2 days early.⁺
4.3/5 Votes: 11,694
T-Mobile USA
March 10, 2022
6.0 and up
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T-Mobile MONEY puts you and your money first, with no minimum balances, no account fees, no overdraft fees, and over 55,000 free Allpoint® ATMs. Also, if you set up direct deposit for your paycheck, you can receive payment up to 2 days in advance. ⁺

Earn 1.00% Annual Yield (APY)* on all checking and savings account balances for everyone. Additionally, customers with qualifying T-Mobile services who sign up for benefits and make at least 10 qualifying purchases per month with their T-Mobile MONEY Card can earn 4.00% APY* on checking account balances up to $3,000 and %APY thereafter.

T-Mobile MONEY is operated by BMTX and accounts are provided by customer banks, member FDICs. all rights reserved.

Adding money is easy
You can easily transfer funds to and from your external accounts. Directly deposit all or part of your paycheck—with just a few taps in your T-Mobile MONEY app.

do whatever you want
Your checking account includes a debit card with an EMV chip that works with Google Pay and Samsung Pay.

Stay connected with your funds
Set up alerts to monitor your balance and share activity via app push notifications, email, or both. Get support 365 days a year from 8:00 AM to 12:00 PM ET.

Prevent unauthorized account access with multi-factor authentication and log in with a fingerprint scanner. If your debit card is lost or stolen, activate or deactivate your debit card remotely. Accounts are FDIC insured up to $250,000. Plus, in the event of fraud, you’re protected by Mastercard®’s zero liability protection.

*How APY Works: Checking Account Customers Earn 4.00% Annualized Percentage Return (APY) when your checking account balance does not exceed $3,000 per month: 1) You sign up for eligible T-Mobile Postpaid Cellular plan; 2) you have signed up for benefits using your T-Mobile ID; 3) at least 10 eligible purchases made with your T-Mobile MONEY Card have posted to your check by the last business day of the month account. Eligible purchases posted on or after the last business day of the current month count towards the next month’s eligible purchases. When you fund your account for the first time, you will earn an additional 4.00% APY up to a balance of $3,000 during the statement period in which your first deposit exceeds $1, and for periods in which this occurs This deposit, provided all other requirements are met. These value-added services are subject to change. 1.00% APR on balances over $3,000 in checking accounts. The APY for this tier ranges from 4.00% to 2.79%, depending on the account balance (based on an average daily balance of $5,000). Customers who do not qualify for 4.00% APY will receive 1.00% APY on all checking account balances in any month they fail to meet the above requirements. Savings Account customers receive a 1.00% Annualized Percentage Return (APY) monthly on all savings account balances. You must have a well-funded T-Mobile MONEY checking account in good standing to open a savings account. APY is correct as of 12/16/21 but may be changed at our sole discretion. Fees reduce revenue. Additional restrictions apply. For more information, see Account Disclosures/Terms and Conditions or our FAQ.

⁺ Based on the description and timing of the employer’s payroll direct deposit, we typically provide funds on the business day received, up to 2 days in advance.

**How ​​to get your support: Available only to cellular customers with T-Mobile checking accounts and qualifying postpaid plan lines with enrolled benefits. Overdraft protection begins when you post at least 10 eligible purchases to your checking account using your T-Mobile MONEY Card by the last business day of the month. You only need to meet this purchase requirement once to receive the “Got Your Back” benefit. See the Get Your Support Terms and Conditions for more details.

What's new

- Introducing Savings accounts! T-Mobile MONEY customers earn industry-leading interest while you save for the things that matter.
- We’re proud to offer True Name™ by Mastercard so you can display the name you identify with on your debit card.
- T-Mobile MONEY customers can now link their accounts to use in Plaid enabled applications.

To give you the best experience, we’re constantly improving our app. Keep auto-updates turned on to make sure you have the latest version.


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