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T‑Mobile MONEY is the bank account that puts you and your money first. Everyone earns 1.00% Annual Percentage Yield (APY) on all balances and T‑Mobile wireless customers with qualifying service who deposit at least $200 a month can earn an industry-leading 4.00% APY* on checking account balances up to $3,000.

No account fees, no maintenance fees, and no minimum balances. Plus, access over 55,000 fee-free ATMs worldwide with the Allpoint® ATM Network – that’s more than Bank of America, Chase or Wells Fargo!

T‑Mobile MONEY accounts are held at BankMobile, a division of Customers Bank.
All Rights Reserved. Member FDIC.

Your T‑Mobile MONEY account includes a debit card with EMV chip, plus it works with Apple Pay.

Easily transfer money to and from your external accounts for free. Send a check, pay bills, or direct deposit a portion or all of your paycheck to your account – all with just a few taps in your T‑Mobile MONEY app.

Access your money anytime with the app and enjoy 24/7 customer support.

Prevent unauthorized account access with multi-factor authentication. Log in with Touch ID and Face ID. Enable or disable your debit card remotely if it’s lost or stolen. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when fraud occurs.

*How APY works and what it means for you: As a T‑Mobile MONEY customer you earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account each calendar month when: 1) you are enrolled in a qualifying T‑Mobile wireless plan; 2) you have registered for perks with your T‑Mobile ID; and 3) you have deposited at least $200 in qualifying deposits to your Checking account within the current calendar month. Promotional deposits and refunds are not eligible toward the $200 in deposits. If you meet this deposit requirement in a given month we will pay you this benefit in the subsequent month as an added value provided all other requirements are met. This added value is subject to change. Balances above $3,000 in the Checking account earn 1.00% APY. The APY for this tier will range from 4.00% to 2.79% 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 1.00% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. APYs are accurate as of 11/1/18, but may change at any time at our discretion. Fees may reduce earnings. For more information, see Account Disclosures / Terms and Conditions or go to our FAQs.

Ratings and Reviews

4.4 out of 5
46 Ratings
46 Ratings
NomNom29 ,

Woooooo! one of the first :)

So far the setup process has been easy and the app seems user friendly, waiting for the account to be setup, will update this review once I get further into it.. so far haven’t been disappointed with T-mobile.

Update after a week:
Got my debit card and so far it is living up to expectations, the only thing I would add to this is Zelle capability. My other checking account through BofA has Zelle which allows you to transfer money within seconds to another account such as Chase or Citi since all major banks support Zelle. If they added Zelle this would be the perfect checking account, having to wait 3 days for a transfer in this day in age is outdated IMO.

Yes there are many banks with overall higher limits but this is simple math. Up to $9,000 this bank matches returns provided by a bank giving 2% interest on values higher than $3,000. So this account shines as long as you have no more than $9k in it, anything more than $9k it’s best to have a savings, which you should have anyways, which gives 2% or better.

Streetracer84 ,


Was shocked t-mobile got into this 4 % interest rate is pretty good I don’t like that it’s a maximum 3000 dollars and after words drops to 1 percent wouldn’t they want to make money by letting us put more money into the bank? I would take it out once it hits 3000 dollars and put into another bank that I can get higher interest rate for over 3000 dollars and I don’t like you have to put 200 in a month that should be lowered to 100 or nothing but t-mobile maybe onto something here and hopefully they improve on this

bcoker22 ,

So far, so good, except...

This app has potential to be a great banking alternative. I like the look of the app. There is one fault though. Please make the login pop up appear automatically when you open the app much like apps like Bank of America or other banking apps. Absolutely annoying to have to search for my password to my T-Mobile account. Please make it where all I have to do is scan my face or my fingerprint to login.


T-Mobile USA, Inc.
129.2 MB
Requires iOS 10.3 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, 9.7-inch iPad Pro, 9.7-inch iPad Pro Wi-Fi + Cellular, iPad (5th generation), iPad Wi-Fi + Cellular (5th generation), 12.9-inch iPad Pro (2nd generation), 12.9-inch iPad Pro Wi‑Fi + Cellular (2nd generation), 10.5-inch iPad Pro, 10.5-inch iPad Pro Wi‑Fi + Cellular, iPad (6th generation), iPad Wi-Fi + Cellular (6th generation), iPad Pro (11-inch), iPad Pro (11-inch), iPad Pro (12.9-inch) (3rd generation), iPad Pro (12.9-inch) (3rd generation), and iPod touch.
Age Rating
Rated 4+
© 2018 T-Mobile USA


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