The length of time it takes for funds you add to your account to become available is counted in business days from the date of your deposit. If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit. If we receive it after the cutoff time, we will consider it received the next business day. Every day is a business day except Saturdays, Sundays, and federal holidays. Here is how long it takes for money added by each method to be available from your account:
External Transfers In – Unless longer delays apply, the balance will usually be available two to four business days after the day on which the transfer is initiated. The cutoff time for external transfers in is 9:00 p.m. ET.
Incoming Wire Transfers – Unless longer delays apply, the balance will typically be available on the same business day we receive the wire transfer. The cutoff time for incoming wire transfers is 6:00 p.m. ET.
Direct Deposit – New direct deposit setups typically take up to 2 pay cycles to begin posting to your account, based on the cut off dates of your employer’s direct deposit cycle dates. In general, direct deposit funds will become available on the date specified by the sender of the funds.
Funds from payroll-related direct deposits may be made available up to two days early. 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. See Account Disclosures / Terms and Conditions for more details.
Mobile Deposits:
The cutoff time for mobile check deposits is 7:00 p.m. ET. The aggregate daily limit for mobile check deposits is $3,000.
Unless longer delays apply, the first $225 of total checks deposited for the day will be available on the first business day after the day of deposit. The remaining funds will be available on the fourth business day after the day of deposit.
Mailed Deposits - Please refer to the Funds Availability Policy for availability of mailed deposits.
If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.