T-Mobile MONEY

T-Mobile MONEY is the online banking service that puts you and your money first! There are no account fees, no overdraft fees, and no minimum balances. Get your paycheck early with direct deposit⁺, make payments and transfers without fees, and withdraw cash at over 55,000 no-fee Allpoint® ATMs.^ Download the app today and start banking better with T-Mobile MONEY!

• No credit checks. No account or overdraft fees. No minimum balances.
• Payday comes earlier! Set up direct deposit to receive your paycheck up to 2 days sooner⁺
• Earn industry-leading interest on checking and savings balances
• Send instant payments to other MONEY customers without fees
• Withdraw cash at 55k no-fee AllPoint® ATMs^
• Make purchases with a personalized debit card, or enable Google Pay or Samsung Pay for mobile payments
• Deposit checks on your phone or add cash at select merchants (third-party fees may apply)
• Pay bills: pay by check or set up recurring transfers
• Talk to T-Mobile MONEY specialists every day of the year. Y ayuda también disponible en español.
• Not just for T-Mobile wireless customers, anyone can apply!

T-Mobile MONEY is a banking service powered by BMTX. Accounts provided by Customers Bank, Member FDIC. All Rights Reserved.

YOUR MONEY WORKS HARDER
Everyone earns 2.50% Annual Percentage Yield (APY)* on all checking and savings account balances. Plus, qualifying customers who register for perks and make at least 10 qualifying transactions per month can earn 4.00% APY* on checking account balances up to $3,000 and 2.50% APY after that.

SAFE & SECURE
Stay connected to your money with transaction and balance notifications. Easily transfer money to and from your external accounts. Temporarily disable your debit card from your phone or browser if lost or stolen.

Prevent unauthorized account access with multi-factor authentication and with biometric login. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when fraud occurs.

^The location, availability, and hours of operation of Allpoint® ATMs may vary by merchant and is subject to change.

⁺Subject to description and timing of the employer payroll-based direct deposit, we typically make funds available the business day received, which may be up to 2 days earlier than scheduled.

*How APY works: Checking account customers earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account per month when: 1) you are enrolled in a qualifying T-Mobile or Metro plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions with your MONEY card and/or instant payment to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on/after the last business day of the month count toward the next month’s qualifying transactions. The first time you fund your account, as an added value, you’ll receive 4.00% APY on balances up to/including $3,000 in the statement cycle in which you make your first deposit of greater than $1, as well as in the cycle that follows that deposit provided all other requirements are met. These added value benefits are subject to change. Balances above $3,000 in the Checking account earn 2.50% APY. The APY for this tier will range from 4.00% to 3.40% depending on the balance in the account (calculation based on a $5,000 average daily balance). Customers who do not qualify for the 4.00% APY will earn 2.50% APY on all Checking account balances for any month(s) in which they don’t meet the requirements listed above. Savings/Shared Savings account customers earn 2.50% APY on all account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing and funded to open any type of Savings account. APYs are accurate as of 12/01/22 but may change at any time at our discretion. Fees may reduce earnings.

For details see Terms & Conditions or FAQs.