Bilingual support 365 days/year

Swipe terminals can be risker than EMV chip terminals. We recommend that you select "debit" and use your PIN in swipe-only situations, which is a safer authentication process than swiping and signing. 

Yes. Your deposits are FDIC-insured up to $250,000 per depositor for each ownership category through Customers Bank. A shared account and an individual account are separate ownership categories, so each category is insured up to $250,000.

Yes! There are no monthly fees, no overdraft fees, no transfer fees, no fees at 55,000+ in-network Allpoint® ATMs worldwide, no T-Mobile MONEY out-of-network fees—all with no minimum balance requirements. 

Customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

Yes, you can use your T-Mobile MONEY debit card outside of the United States and Puerto Rico wherever Mastercard® is accepted. 

Customers will not incur fees at 55,000+ in-network Allpoint® ATMs worldwide. However, customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

For 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.

If you use an out-of-network ATM, we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

In short, VERY secure. Security is T-Mobile MONEY's top priority. We use both state-of-the art technology and best practices to protect your information and account. Both the T-Mobile MONEY mobile app and web app, as well as the T-Mobile MONEY website, have built-in security measures such as strong login/password authentication and encryption technology for all communications.

Here are some of the features that T-Mobile MONEY provides to help secure our customers’ personal information and money:

T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

ATMs outside of the Allpoint Network will charge varied fees. T-Mobile MONEY will not charge you a fee, but ATM owners may charge a fee based on location and bank provider. You can find one of the over 55,000 no-fee ATMs worldwide in the Allpoint ATM Network here.

T-Mobile MONEY will not charge a fee, but international ATM owners may charge their own fees along with the network, like Mastercard®, who may add additional charges for currency conversion.

We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

T-Mobile MONEY debit cards are associated with Mastercard. They are issued and administered by Customers Bank, pursuant to license from Mastercard International Incorporated. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

As long as you meet the requirements, you can sign up for T-Mobile MONEY! 

To sign up for a  T-Mobile MONEY Checking account you must:

- Be of legal age 

- Have a US government-issued ID or state-issued driver's license/ID

- Have a Social Security Number

- Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

Once you have a T-Mobile MONEY Checking account, you may also open a T-Mobile MONEY Savings or Shared Savings account, provided your checking account is in good standing and has been funded.      

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

Not everyone who applies for a T-Mobile MONEY account will qualify.

No, you can only link US-based bank accounts, which have a US ABA routing number, to T-Mobile MONEY. 

Yes! Customers may now open one Shared Savings account per person, in addition to one Checking account and one individual Savings account. To open a savings account of any kind, you will need to have a T-Mobile Checking account that has been funded and is in good standing. Not everyone who applies for a T-Mobile MONEY Checking account will qualify.

T-Mobile MONEY customers are allowed to open one Checking account, one Savings account, and one Shared Savings account per person. Not everyone who applies for a T-Mobile MONEY Checking account will qualify. To qualify for a T-Mobile MONEY Savings or Shared Savings account, you need to have a checking account that is in good standing and has been funded.

Yes, all customers who earn $10 or more in interest will be sent a 1099-INT form. We will send you all of the tax forms you'll need by the end of January.

We are happy to offer both a T-Mobile MONEY Savings account as well as a Shared Savings account which earn 2.50% APY* for all T-Mobile MONEY customers! 

*Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

T-Mobile MONEY reserves the right to run credit checks on applicants and existing customers. For more information, please refer to the Account Terms and Conditions. Failing to maintain your account, including but not limited to keeping a negative balance, repeated overdrafts, and other factors could impact your credit score negatively. Under the guidelines of the PATRIOT Act, all banks are required to verify the identity of new customers. To comply, BM Technologies (BMTX), may request certain personally identifying information (PII) including but not limited to, validating your name, address, date of birth and SSN.

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

Not everyone who applies for a T-Mobile MONEY account will qualify.

You can call a T-Mobile MONEY Specialist for bilingual support 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **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.

Once you receive your T-Mobile MONEY debit card in the mail, you will need to activate it using your T-Mobile MONEY mobile app or web app before you can start using it at an ATM or to make a purchase. To activate your card, simply log in to T-Mobile MONEY, go to 'My card' and follow the prompts—it's that easy.

We have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here and in your T-Mobile MONEY app. 

Please note that if you use an out-of-network ATM (an ATM not in the Allpoint Network), we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

ATMs may be added/removed from the Allpoint network periodically. As a result, we encourage you to check the Allpoint ATM Locator frequently and before visiting an ATM to determine the closest in-network ATM.  Allpoint ATMs may not be available 24 hours a day, 7 days a week.  The location, availability, and hours of operation of in-network ATMs may vary by merchant and are subject to change.  We also encourage you to check the ATM itself for any disclosed fees before withdrawing money.  If you use a non-Allpoint Network ATM for a withdrawal, you may also be charged a fee by the ATM owner/operator, even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator and is not assessed by us.

Your account statements are available in your T-Mobile MONEY app under ‘More’, then select ‘Statements and documents.’

It's easy! Just go to 'Add money' then 'Direct deposit' in your app to begin the process. We've teamed up with an industry leader to make direct depositing your paycheck into your T-Mobile MONEY account fast and hassle-free. Learn more about our easy direct deposit setup.

You can also go straight to your HR department, and use the process that they currently have in place by providing them with your routing number and account number. 

New direct deposits typically take up to 2 pay cycles to begin posting to your account.

You can sign up for T-Mobile MONEY using the T-Mobile MONEY mobile app or web app. 

To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

Not everyone who applies for a T-Mobile MONEY account will qualify.

To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

Yes! You can do a mobile check deposit for any of your T-Mobile MONEY accounts, whether that be your Checking or Savings, by using the T-Mobile MONEY mobile app. Mobile check deposit is not available in the T-Mobile MONEY web app, so you'll need to download the T-Mobile MONEY mobile app from the Apple App Store or Google Play Store to use this feature. 

Once installed, log in to the mobile app using your T-Mobile MONEY credentials, go to 'Add Money', select 'Deposit Check', and we'll guide you through the process from there. The max deposit amount for a mobile check deposit is $3,000. 

If you'd like to make a deposit over $3,000, head over to the 'More' area of your app, select 'Statements and documents', select 'Documents', and select 'Deposit Slip.' Follow the instructions on the Deposit Slip to complete, print and mail us your deposit.

All checks being deposited must be made payable to your legal name. You can not use your True Name. If the payable name does not match the T-Mobile MONEY account holder’s legal name, the check(s) attempting to be deposited will be rejected and/or returned.

T-Mobile MONEY has several features to help secure our customers’ personal information and money. 

Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). 

And T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

Passwords may be changed every 30-90 days. 

The general rule is to create a strong password. Passwords that have more than the 6-character minimum (passwords with 6 characters are not considered strong, 8-10 characters are considered good, and with 14 characters are considered best practice - the longer the password, the better); a mix of letters (upper and lower case), numbers, and special symbols with no ties to your personal information or that aren't used elsewhere (using the same password for multiple sites puts you at risk).

Here's how to change the password associated with your T-Mobile MONEY account:

1. Log in to My T-Mobile (account.t-mobile.com)

2. Click on your name in upper right corner

3. Select 'Profile'

4. Select 'T-Mobile ID'

5. Select 'Edit' next to 'Password'

6. Hit 'Continue' to get a verification code sent to your phone

7. Enter the verification code you received

8. Follow the directions to enter your old and new passwords

9. Save

Alternatively, from the T-Mobile MONEY app Login page:

1. Tap 'Forgot password?' on the login screen

2. Follow the prompts

As a reminder, your T-Mobile ID is linked with your data plan, so you should never share your login credentials, including your password and email/T-Mobile wireless phone number combination, with another individual.

To quickly report your card as lost within the T-Mobile MONEY mobile app or web app: 

1. Select 'My card' on the Home screen

2. Select 'Report as lost, stolen, or damaged'

3. Select 'I lost my card' and then follow the prompts

If you're unable to find your card, you may order a free replacement card in your mobile app or web app.

Don't worry, you're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

To let us know when and where you'll be traveling outside of the United States or Puerto Rico, 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. 

Additional vendor and network limitations may apply.

Follow these steps within your T-Mobile MONEY app to disable your card:

1. Go to 'My card' 

2. Select 'Report as lost, stolen, or damaged'

3. Select 'My card was stolen.' to permanently disable your card and get a new one

For further assistance, please contact 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. 

We do not charge a fee for getting a new debit card, no matter the reason!

This is all handled between T-Mobile, merchants, BM Technologies (BMTX), and Customers Bank (the issuing bank). We expect to see revenues from merchant transaction fees when a customer pays with their T-Mobile MONEY Mastercard® debit card. Over time, we expect to see additional operational benefits in our core business in increased customer retention and reductions in payment expenses. 

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

You can access your T-Mobile MONEY account 24/7, 365 days a year. We process transactions on business days, which are every Monday through Friday,* excluding Federal Reserve holidays.

T-Mobile MONEY Specialists are available 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. 

*Please see processing cutoff times for specific features, such as mobile check deposit or external transfers.

First, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts. 

Then, to report the suspicious activity, call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

If your PIN isn't working, you can change it in your T-Mobile MONEY app by logging in and following these steps:

1. Go to 'More'

2. Select 'My settings'

3. Select 'My accounts' 

4. Tap on your T-Mobile MONEY account

5. Tap 'Change debit card PIN' 

6. Answer the security question and hit 'Next'

7. Set a new PIN by following the prompts. When you've successfully changed your PIN, you will get a 'PIN updated' message.

If you can't remember the answer to your security question when going through the process above, 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.

You’ll find us under “Customers Bank” whose FDIC certificate number is 34444. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

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.

You can use a valid US Driver's License, State ID or US Passport as a form of identification.

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.

We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including customer support. A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care.

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

Accounts can be closed for a variety of reasons, including multiple overdrafts or possible fraudulent transactions. For more information, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **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. 

We don't currently offer small business accounts.

Interest rates may change over time. We'll make sure you're notified in advance of key changes to your account, including your interest rate and annual percentage yield (APY). 

It's easy! Log into the T-Mobile MONEY app and select one of the social payment (P2P) services like PayPal, Venmo, Cash App, etc. Then, depending on what the payment service requires, enter either your T-Mobile MONEY account number and routing number or T-Mobile MONEY debit card information. While we do not charge a fee for these transactions, be aware that these services may do so.

All customers earn 2.50% Annual Percentage Yield (APY).* Customers with a qualifying T-Mobile or Metro by T-Mobile plan who register for perks and make at least 10 qualifying transactions per month using their T-Mobile MONEY card and/or instant payment to friends can earn 4.00% APY* on balances up to $3,000 and 2.50% APY after that. 

To see what you're eligible for, go to "My perks" in your T-Mobile MONEY app. 

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

If your card is damaged, it's easy to request a replacement card using your T-Mobile MONEY app. We also do not charge a fee for getting a new debit card, no matter the reason! 

Follow these steps to request a replacement:

1. Go to 'My card' 

2. Select 'Report as lost, stolen, or damaged'

3. Select 'My card was damaged.' and 'Confirm'

4. Tap 'Report damaged and send a new card'

5. Expect to receive your replacement card soon, to the primary mailing address associated with your account. 

6. While you wait, your current card will remain active. If you've added your card to your mobile wallet, you'll still be able to use it for online shopping or at any location that accepts mobile payments. To add your card to your mobile wallet, go to 'My card', tap 'Add to Wallet', and follow the prompts. 

For further assistance, please contact 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.

T-Mobile MONEY respect the privacy of our customers, you can find a detailed description of how your personal  information and personal data could be used in our Privacy Policy.

As a reminder, your username is an email address or T-Mobile wireless phone number you used to sign up for a T-Mobile MONEY account. If you've forgotten your username, select 'Forgot username/password' at the bottom of the login screen. Submit your email, and you will be sent a link. 

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.

If you do not pay us back within 30 days from the date your account went negative, you may lose Got Your Back* for good. You need to add money to your account to get it to a positive balance as of the end of the banking day no later than 30 days after your account balance went negative.

To see if you're eligible for Got Your Back, log in to the T-Mobile MONEY app and select 'My perks'. 

* How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying T-Mobile or Metro by T-Mobile plan who have registered for perks. Got Your Back will begin once at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking Account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

To unlock your account, select the 'Forgot username/password' link at the bottom of the login screen. Submit your username in the prompt and you will then be sent an email with a link to reset your password and unlock your account.

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.

Got Your Back* is our way of having your back when you go over your account balance. Here's how it works: customers with a qualifying T-Mobile or Metro by T-Mobile plan who register for perks and make at least 10 qualifying transactions using their T-Mobile MONEY card and/or instant payment to friends during a single calendar month to their checking account, receive up to $50 of spending in overdrafts with no fees. Just make sure your account balance is positive again by the end of the banking day on the 30th day after the account first goes negative or you may lose this perk for good. 

Got Your Back is not available for cash advances and ATM cash withdrawals or for instant payments to friends. 

To see if you're eligible for Got Your Back, log in to the T-Mobile MONEY app and select 'My perks'. 

* How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying T-Mobile or Metro by T-Mobile plan who have registered for perks. Got Your Back will begin once at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking Account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

Our routing number is 067092886, and you can easily find your T-Mobile MONEY account number by hitting the circle icon with the ellipses (…) on the Home screen in your T-Mobile MONEY app.

Absolutely! Visit https://join.t-mobilemoney.com to sign up and use T-Mobile MONEY. Our web app has the same signup functionality as the mobile app. However, you will need a phone capable of receiving SMS text messages to complete the T-Mobile MONEY account signup process. During this process, we will send a one-time password confirmation to your phone, which you will need to respond to.

Not everyone who applies for a T Mobile MONEY account will qualify.

No, all customers earn 2.50% Annual Percentage Yield (APY)* on all balances regardless of their transaction activity. 

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

Yes, you can keep your T-Mobile MONEY account. 

However, only T-Mobile wireless customers with a qualifying T-Mobile or Metro by T-Mobile plan can unlock additional benefits like 4.00% Annual Percentage Yield (APY),* Got Your Back**, and more. 

To see what you're eligible for, go to 'My perks' in your T-Mobile MONEY app.

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

**How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying T-Mobile or Metro by T-Mobile plan who have registered for perks. Got Your Back will begin once at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking Account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

All customers earn 2.50% Annual Percentage Yield (APY)* on all balances, no matter how high. You will earn 4.00% APY* on balances up to and including $3,000 if you:

1) are enrolled in a qualifying T-Mobile or Metro by T-Mobile plan;

2) have registered for perks with your T-Mobile ID; and 

3) have made at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payment to friends that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given transaction has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

Balances above $3,000 will earn 2.50% APY. 

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

Interest paid on T-Mobile MONEY accounts is compounding and deposited into your account monthly.

If your debit card is expiring soon, you will receive a replacement card in the mail prior to expiration. You can expect it to arrive within a week prior to your current card's expiration. Your current T‑MONEY card will remain active until the end of the month printed on the front of your card or until you activate your new card.

If you would like to receive your card sooner, you can request a replacement card using your T‑MONEY app if your current card is 60 days from expiring up until 15 days from its expiration date.

Follow these steps to request a replacement:

1. Go to 'Manage card' found in the 'My card' tab
2. Select 'My card is expiring or has expired'
3. Confirm or update your mailing address

You can expect to receive your replacement card soon, to the primary mailing address associated with your account that you have either confirmed or updated in step 3.

While you wait, your current card will remain active. If you've added your card to your mobile wallet, you'll still be able to use it for online shopping or at any location that accepts mobile payments. To add your card to your mobile wallet, go to 'My card', tap 'Add to Wallet', and follow the prompts. Once you receive your new card, make sure to update your card details with any merchants or recurring payments.

We will pay you 4.00% Annual Percentage Yield (APY)* on balances up to and including $3,000 if you:

1) are enrolled in a qualifying T-Mobile or Metro by T-Mobile plan;

2) have registered for perks with your T-Mobile ID; and 

3) have made at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payment to friends that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given transaction has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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.

You will earn 2.50% APY for balances in your checking account above $3,000. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments with friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

No. We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including support and deposits. As a result, we aren't able to offer support at T-Mobile store locations. 

Depositing cash: 

While you cannot deposit cash at a T-Mobile store location or into an ATM, there are several ways to deposit cash in your T-Mobile MONEY account. Check out 'How do I add cash to my T-Mobile MONEY account?' to learn more. 

Banking support: 

A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care. 

To connect with a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year, please call 866-686-9358 or dial **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. 

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

Yes, a resident of Puerto Rico can open a T-Mobile MONEY account.

Not everyone who applies for a T Mobile MONEY account will qualify.

You can reach a Spanish-speaking T-Mobile MONEY Specialist via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700.

There isn't one! You can send as little as you want with our Move Money feature, just one of the many features available with T-Mobile MONEY.  

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.

Your T-Mobile MONEY account disclosures are available in your T-Mobile MONEY app and on the T-Mobile MONEY website (see Account Disclosures / Terms and Conditions for more information).

You are limited daily to $500 in ATM withdrawals and $2,500 in combined PIN-related, point-of-sale (POS) purchases / signature-related transactions. 

As an example, if $2,000 is spent on PIN-related purchases in a single day, $500 is still available for signature-related transactions that day. Additionally, you can withdraw a maximum of $500 from an ATM in aggregate (checking and savings) per day.

If you have any questions, 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.

To be guided through the dispute process, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

You may also want to disable your card. To do this, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts.

Yes, you can keep any interest that has been paid out to date with T-Mobile MONEY. However, your annual percentage yield (APY) will revert to 2.50% for the entire month in which your service is terminated or cancelled. See the Interest section of your Account Disclosures / Terms and Conditions for more information.

Delays in availability of funds you add to your account are 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.  

The length of time between the day of deposit and the day that funds become available is set forth in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Deposit Terms and Conditions. Delays in availability could be for multiple reasons. For example, if the deposit was a check or mobile check deposit, this delay could occur because we think the check may not be paid, you have deposited checks totaling more than $5,525 in a single day, or a failure or error occurred, along with other possible reasons listed in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Deposit Terms and Conditions. 

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 dial **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.

Yes. You can pay all of your bills from US merchants, and set up recurring payments, right from the T-Mobile MONEY app!

Please contact a T-Mobile MONEY Specialist to reset your security questions. 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. 

We love our customers, and we want to offer them better MONEY. So we've built a checking account where you can get paid up to 2 days early* with payroll-related direct deposits and everyone earns 2.50% Annual Percentage Yield (APY)** on all balances. Plus, T-Mobile wireless customers with a qualifying T-Mobile or Metro by T-Mobile plan who register for perks and make at least 10 qualifying transactions per month using their T-Mobile MONEY card and/or instant payment to friends can earn 4.00% APY** on balances up to $3,000 and 2.50% APY after that. 

Everyone gets access to over 55,000 no-fee Allpoint® ATMs in the U.S. and abroad (more than Bank of America, Chase or Wells Fargo) and our no overdraft fee, no account fee, no maintenance fee, and no minimum balance requirement checking account.

To see what you're eligible for, log in to the T-Mobile MONEY app and select 'My perks'. 

*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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

Yes! To add money from an outside bank account into any of your T-Mobile MONEY accounts, whether that be your Checking or Savings, select 'External transfer in'. From there you'll be guided through source, destination, amount, and whether you'd like to do a single or recurring transfer. You'll need to have a verified, external bank account linked to your T-Mobile MONEY account before you can add money using this method. Verifying an external bank account could take several days or longer depending on the external bank and other circumstances.

No, we do not currently offer outbound wire transfers from your T-Mobile MONEY account. However, there are other ways to transfer money from your account, including setting up an external transfer or using social payment (P2P) services like PayPal, Venmo, Cash App, etc. Note that while we do not charge a fee for P2P transactions, these services may do so.

You may convert your cash in several ways.

To add to your Checking Account:

Bring your debit card and cash to a participating merchant like Walmart, CVS, 7-Eleven, Walgreens. Tell the clerk you’d like to load cash ($20 minimum) to your T-Mobile MONEY debit card with rePower, VanillaDirect, or MoneyGram. Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected. Find a location here.

To add to your Checking or Savings Account:

1.  Get a money order*, made out to yourself using your legal name, from a retailer or the USPS (you may incur a small fee) and then deposit the money order using the mobile check deposit feature (daily limit of $3,000.00) in your T-Mobile MONEY mobile app.

2.  Ask another bank for a cashier’s check, made out to yourself using your legal name (you may incur a small fee) and then deposit the cashier’s check using the mobile check deposit feature (daily limit of $3,000.00) in your T-Mobile MONEY mobile app.

3.  Make a deposit at another bank and then do an external transfer in using your T-Mobile MONEY mobile app or web app to electronically transfer the funds. Your bank may allow you to initiate a transfer to your account here. Alternatively, you can initiate a withdraw from your other bank using our system. However, there are limits on how much you can transfer if you initiate such a transfer through your T-Mobile MONEY account.

*Money Order Deposits: Money orders are subject to applicable funds availability schedules which do not include same day availability. Some money orders may be ineligible for mobile or remote deposit. Please refer to the money order for details.

Note: Deposited items may occasionally reject.  Please refer to the FAQ “What if my deposit is rejected?” for more details. 

Use the T-Mobile MONEY app or website to find a location closest to you – there are 65,000+ participating merchants nationwide. 

Find a location: 

In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'. 

On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

At most locations you can add any amount from $20 to $500 per day; however, there are a few exceptions. MoneyGram accepts cash deposits from $20 - $999 and Walmart accepts cash deposits from $20 - $1,000.

Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected. 

There may be. Participating merchants independently set limits, if they have them. Please contact a participating merchant to learn more.

Find a location:

In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'

On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

Yes. Use your T-Mobile MONEY routing number 067092886 and account number to direct deposit government payments like tax refunds or unemployment checks. To see how you can direct deposit government stimulus payments to T-Mobile MONEY, please visit the IRS Get My Payment website (https://www.irs.gov/coronavirus/get-my-payment).

Yes. We accept personal checks as well as government checks, including tax refunds, unemployment checks, and U.S. Treasury Stimulus (Economic Impact payments and Child Tax Credit payment) checks. 

The following only pertains to U.S Treasury Stimulus checks (whether it’s an Economic Impact payment or a Child Tax Credit payment). We will accept checks payable to two payees with ‘OR’, ‘AND’, or ‘BLANK’ joiners (see ‘Examples’ below) only if the following requirements are met: 

—Mobile Check Deposit (for checks up to $3,000): The check must be endorsed on the back with “For Remote Deposit Only” or “For Mobile Deposit Only” AND signed by both parties before submitting the mobile check deposit via the T-Mobile MONEY mobile app. Be sure to check out the FAQ ‘What are the requirements for an acceptable mobile check deposit?’ for all requirements before submitting.

—Mail-in Check Deposit (for checks more than $3,000): The check must be endorsed on the back with “For Deposit Only” and signed by both parties, then mailed to us along with a filled-out T-Mobile MONEY Deposit Slip (go to 'Statements and documents' > 'Documents' in your app). See more details on the T-Mobile MONEY Deposit Slip. 

—Examples:  
    'OR' = Mary Smith or John Smith
    'AND' = Mary Smith and John Smith
    'BLANK' = Mary Smith John Smith

For more information on government stimulus payments, please visit the IRS Get My Payment website (https://www.irs.gov/coronavirus/get-my-payment). 

Yes! With T-Mobile MONEY, you can get your paycheck up to 2 days early* when you use direct deposit for either or both of your accounts, whether that be for your T-Mobile MONEY Checking or T-Mobile MONEY Savings account, you deposit into. 

Existing payroll-related direct deposits are automatically eligible to receive this benefit. New direct deposits typically take up to 2 pay cycles to begin posting to your account and can be set up with your employer or let us do the work for you! 

*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.

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. If you are not receiving your direct deposit early, contact us so we can investigate your unique direct deposit situation to see if there is anything we can do to help. However, based on the factors above it may be out of our control as to when the funds from your paycheck become available.   

Contact us 8AM-12AM ET, 365 days a year by sending a secure message to a T-Mobile MONEY Specialist in your T-Mobile MONEY app. To send us a secure message about this topic, go to 'Support' (in the 'More' menu in your mobile app) then tap 'New secure message' and choose 'Get paid up to 2 days early' in the 'Category' dropdown menu. 

When submitting your secure message, please be sure to include the following information:

  -Name of your employer

  -Dates of transaction

You don't need a wireless plan with T-Mobile or Sprint to sign up for a T-Mobile MONEY account! You only need to meet the following requirements:

To sign up for an account you must:

 - Be of legal age

 - Have a US government-issued ID or state-issued driver's license/ID

 - Have a Social Security number

 - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

Not everyone who applies for a T Mobile MONEY account will qualify.

Yes! T-Mobile customers, now including Sprint customers, with a qualifying postpaid wireless plan who register for perks and make at least 10 qualifying transactions per month using their T-Mobile MONEY card and/or instant payments to friends can earn 4.00% APY* on balances up to $3,000 and 2.50% APY on balances after that, and can participate in Got Your Back** up to $50 by registering for perks and making at least 10 qualifying transactions using their T-Mobile MONEY card and/or instant payments to friends in a single calendar month. 

All T-Mobile MONEY customers who do not meet these requirements can earn 2.50% Annual Percentage Yield (APY).* 

To register for perks, open the T-Mobile MONEY app (make sure you have the latest version of the app downloaded). Then, go to "My perks" and follow the prompts. 

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

**How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying T-Mobile or Metro by T-Mobile plan who have registered for perks. Got Your Back will begin once at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking Account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

Yes! The Social Security Administration (SSA) requires you to notify them about direct deposit information changes in one of the following ways:

  •  Visit the Social Security website at https://www.socialsecurity.gov/myaccount.

  •  Call Social Security at 1-800-772-1213.

  •  Call or visit your local Social Security office. Find the nearest office at https://secure.ssa.gov/ICON/main.jsp.

We make it easy by filling out the form you’ll need when you talk to the SSA. Go to 'Add money' then 'Direct deposit' and look for “Social Security Administration” or "SSA". There you can download the form with your T-Mobile MONEY account information pre-filled.

Qualifying transactions include:

An instant payment to friends or a purchase of goods or services made with your T-Mobile MONEY card. You can use your physical card, make an Internet purchase with the card number, or use Apple Pay®, Google Pay or Samsung Pay. Purchases also qualify whether you choose debit or credit at the point of sale. To count for the current month's qualifying transactions, a qualifying transaction must be "posted" to your T-Mobile MONEY Checking Account (and cannot be in a pending status) before the last business day of the month. Qualifying transactions that "post" on or after the last business day of the month, will count toward the next month’s qualifying transactions. "Posted" ("posting" and "post") means that a given transaction has been finalized by the merchant and communicated to the bank. "Posting" does not always occur on the date the transaction was authorized.

Examples of qualifying transactions include, but are not limited to:

- Pay for food delivery with your T-Mobile MONEY card

- Purchase an online item from a retailer using your T-Mobile MONEY card

- Purchase your medicine from the drugstore using your T-Mobile MONEY card 

- Pay for gas using your T-Mobile MONEY card

- Instantly send a payment to a friend using your T-Mobile MONEY checking account

The following transactions do NOT qualify:

- Cashback that doesn’t include a purchase

- Cash advances and ATM withdrawals 

- Returns, refunds, and any other credits to your account 

- Bill payments, external bank transfers, and any other ACH debits 

- Transfers to an external bank account or peer-to-peer (P2P) services like PayPal®, Venmo®, Cash App®

- Purchase authorizations, pending purchases, and holds

For complete details on qualifying transactions, please see the Account Disclosures / Terms and Conditions and "Got Your Back" Terms and Conditions. 

Yes! And even better news, customers with a qualifying T-Mobile or Metro by T-Mobile plan who register for perks and make at least 10 qualifying transactions per month using their T-Mobile MONEY card and/or instant payment to friends can earn 4.00% APY* on balances up to $3,000 and 2.50% APY after that.

To sign up for an account you must:

- Be of legal age 

- Have a US government-issued ID or state-issued driver's license/ID

- Have a Social Security number

- Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

Not everyone who applies for a T-Mobile MONEY account will qualify.

* 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 by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions using your T-Mobile MONEY card and/or instant payments to friends have posted to your Checking account before the last business day of the month. Qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been 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 more information, see Account Disclosures / Terms and Conditions.

T-Mobile MONEY has several features to help secure our customers’ money. 

T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience.

Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

Yes, T-Mobile MONEY customers can now use their account in Plaid enabled applications.

While there is generally no set limit on the quantity of withdrawals you can make during each month, certain limits may be imposed on the number of ATM withdrawals you may make per day. (These limitations are not revealed for security reasons).There is a spending limit of $500 per day for ATM withdrawals in aggregate (checking and savings). Any limits apply to both T-Mobile Savings accounts and Shared Savings accounts.

You can withdraw funds from a T-Mobile MONEY Savings or Shared Savings account at an ATM. There is a spending limit of $500 per day for ATM withdrawals in aggregate (checking and savings).

No. A debit card is only provided for your T-Mobile MONEY Checking account. Customers with a T-Mobile MONEY Savings account or Shared Savings account will be able to withdraw funds and view their Savings balance at an ATM with their existing debit card.

We are proud to stand with the LGBTQIA+ community and we support you in your identity. Which is why we're introducing True Name, to help alleviate a source of anxiety for customers whose name on their debit card doesn't represent their true identity. There's no reason to be anyone other than your authentic self, and with T-Mobile MONEY you're empowered with a debit card that reflects who you truly are.

Yes, it's simple to provide your True Name during sign up; however, your legal first and last name is still required to complete the sign up process.

T-Mobile MONEY makes it easy!

Step 1 - Log-in to your T-Mobile MONEY account

Step 2 - Click 'More', click 'My settings', and click 'My True Name'

Step 3 - Enter your True Name you go by and activate it

Step 4 - Save changes and we'll ship out your new card with a new number which should arrive within approximately 5 to 7 business days

If you have a first name that you prefer, we use when speaking to you, we suggest using that as your True Name.

Using initials or a single letter is acceptable. The following is not allowed (including by way of example and not limitation): 

- Numbers and Symbols

- Business Names

- Profane or Derogatory words

In the event a selected True Name is in violation of the stated policy at our sole discretion, we have the right to: (i) deny acceptance of the selected True Name, (ii) restrict future participation in the True Name program, (iii) exercise account closure, and/or (iv) take necessary action(s). In the exercise of these rights, they will not be subject to additional review or other challenge.

A customer can request a maximum of 3 True Name changes per the lifetime of the account.

Yes! You can continue using your current T-Mobile MONEY debit card to make purchases until your replacement card arrives and you activate it.

The name on your T-Mobile MONEY account will remain your legal name. However, T-Mobile MONEY will use your True Name when you call customer service and, where we legally can, on some communications. Please note, there may be times when a T-Mobile MONEY representative may ask for your legal name for identity verification purposes.

Rest assured, T‑Mobile MONEY is continuing to uphold its same high standards to validate its customers' identities and protect account access. T‑Mobile MONEY uses advanced technology to help protect you from fraud whether you're banking online or using your T‑Mobile MONEY App. Your security is our priority.

You should be able to use your T-Mobile MONEY debit card without issues at any merchant. However, if a merchant chooses to ask you for identification to confirm the name, simply open the T-Mobile MONEY app and go to the My Card screen. Show the merchant your My Card screen displaying your legal first and last names and an image of your T-Mobile MONEY debit card with your True Name.

No. All checks must be made payable to you using your legal name. If the “pay to the order of” name does not match the T-Mobile MONEY account holder’s legal name, the check(s) attempting to be deposited will be returned.

If your deposit has been rejected, please refer to the notice sent to the email address on file for your account, for more details. This email will indicate the specific reason for rejection and includes direction on what is required for the check to be eligible for re-deposit.

Reasons your deposit may be rejected and what to do include but are not limited to: 

- Missing endorsement: Please properly endorse the back of the check and resubmit for deposit (for mobile deposit please include “For Mobile Deposit Only” language as directed along with your endorsement signature) 

- Missing Payee: Please submit with a payee entered in the pay line.

- Unusable Image: Please take a clear picture and resubmit for deposit (For Remote Deposit Only)

- Payable to third party: This item cannot be redeposited.

• All deposited items must be originally payable to the individual’s name that is listed on the account the deposit is going into and this name must appear on the front of the deposited item.

• We will not accept any deposits made payable to a name other than the name listed on the account.

• We also will not accept a check made payable to a third party that has been signed over to the individual on the account. 

- Over the threshold for mobile deposits: If your mobile deposit was greater than $3,000.00 it must be mailed in for processing. Please refer to the Deposit Slip that can be found in the app under ‘Statements and Documents’ for further instructions.

Note: If you have further questions or require assistance, you can call a T-Mobile MONEY Specialist for bilingual support 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you’re calling from outside the United States, please dial 414-751-6700.

T‑Mobile MONEY security questions provide an extra layer of protection from unauthorized access. They are used to authenticate a new device that is being used to login into an existing T‑Mobile MONEY account and to change your T‑Mobile MONEY Debit card PIN.

No, T‑Mobile MONEY security questions are different from those used by T‑Mobile ID. The security questions for T‑Mobile MONEY are used to restore access to your MONEY account upon failure to authenticate when entering the app. For T‑Mobile ID, its respective security questions are used to restore access when you’ve forgotten your password.

Resetting your T‑Mobile MONEY security questions does not impact the security questions for your T‑Mobile ID.

If your account has an activated debit card, you may reset your security questions by tapping or clicking on ‘Forgot your answer?’ if you are unable to recall your security question answer at the time. This will prompt you on steps to follow for resetting all your security questions. You may also call 866-686-9358, where a T‑Mobile MONEY Specialist is standing by to assist you, 8 AM-12 AM ET, 365 days a year.

The rule of thumb is to treat your security answers the way you treat your Debit card PIN. That means keeping your security questions and answers safe and not sharing them with anyone.

- Most people remember their answers as they are very personal to them (e.g. name of your first teacher)

- Don’t keep written answers next to your ID and T‑Mobile MONEY Debit card (e.g. don’t keep questions/answers in your wallet)

- T‑Mobile MONEY specialists will NEVER contact you asking you to share your security questions and answers

T-Mobile MONEY now lets you send money to or receive money from other T-Mobile MONEY customers from within the MONEY app! To send payments to friends in the MONEY app:

1. Log in to your T-Mobile MONEY account

2. Go to the ‘Move money’ tab, tap ‘Pay friends’ then ‘Send money.’ Please note, you will need to have established a friend connection first to send money. 

3. Select a source account

4. Select a recipient from your Friends list

5. Enter the amount of the transfer and a note explaining the purpose of the payment

6. Review the information carefully as transfers cannot be cancelled or reversed once complete.  Slide to authorize the payment once you’ve confirmed all the information is correct.

Before you can send or receive instant payments, you must first establish a friend connection with the T-Mobile MONEY customer with whom you want to transact.  Once you’ve established this friend connection, either of you can initiate an instant payment to each other.

Sending a friend request in the T-Mobile MONEY app:

1. Log in to your T-Mobile MONEY account

2. Go to the ‘Move money’ tab, tap ‘Pay friends’ then ‘Invite friends’

3. Enter the phone number of the friend you’d like to connect with, and a display name to help you identify them later. Recipient must have an address in the U.S. or Puerto Rico. If you are using the mobile app, you will be able to select someone from your contacts list to populate the invite friend fields.

4. Review the information on the invite friend screen and click to create the request.  Existing customers may receive a notification of the request once they have logged back into their account.  

5. If you’re on your mobile phone, send the recipient an alert that you’ve sent them a friend request with a text message with a link to sign in or download the MONEY app; or if you aren’t on your mobile phone, copy and paste the link provided into an email to send to your friend. 

Responding to a received friend request in the T-Mobile MONEY app:

1. Log in to your T-Mobile MONEY account

2. Go to the ‘Move money’ tab then tap ‘Pay friends’ 

3. Select 'Manage friends’, followed by the ‘Pending invitations’ tab

4. Review and accept or decline the request

Yes, absolutely!  Simply enter their phone number and a display name. Then, make sure to send them the link to sign up for a T-Mobile MONEY account via the pre-filled SMS or by copying and pasting from your web browser, depending on the platform you’re using.  They’ll then be able to sign up and if approved, will see your request once they’ve logged in for the first time.  Note that if your friend signs up with a different number to the one you entered in your request, you will need to send a new request (or they can send you a request) for you to be able to connect.

If you have more than one phone number, your friend may have sent the friend request to a different number from the one you use as the contact number for your bank account. You can either let them know to send a new friend request to your T-Mobile MONEY contact phone number, or you can send them a friend request instead.

Yes, requests will expire 30 days after their creation.

There is no limit to how many friend requests you can receive, but you may not have more than 15 sent friend requests pending at one time.  Pending means that the friend request has not yet expired and has not yet been accepted or declined by the recipient.  If you reach the limit of 15 pending sent requests, you will need to wait until someone responds to one of your requests by accepting or declining the request, or until a request expires, to be able to send another friend request.

The display name is only visible to you and is unique to your view of your friend in the app – it does not impact their account in any way.  If your friend accepts your request, they will appear in your Friends list with the display name.  The display name can be edited later, once you and the recipient become friends.

Yes! You can remove a friend in the ‘Manage friends’ screen by clicking on that friend, then selecting remove friend on the edit friend popup.  Once you’ve removed the desired friend, neither of you will be able to send a transfer to the other.  If you wish to continue sending money to or receiving money from a removed friend, either of you can send a new friend request at any time.

Instant payments are subject to the below transfer limits, per sender:

- Daily limit: $500 in a rolling 24-hour period

- Monthly limit: $5,000 in a rolling 30-day period

The rolling period will begin from the first peer payment transfer made during a given window.  That transfer will count toward the daily limit for 24 hours from its creation, and toward the monthly limit for 30 days (where each day is a 24-hour period) from its creation.

No. You may only send money to someone in your friends list.  To be friends with someone, both of you must have an open T-Mobile MONEY account.

If you’d like to send money to someone who doesn’t have a T-Mobile MONEY account, you can send them a friend request and a message with a link to sign up for MONEY so you can connect. You may also link your T-Mobile MONEY account with popular third-party payment services such as Venmo, PayPal, Cash App, etc. as another option to send them money.

No, we currently only support sending money.

Payments to friends will be reflected immediately in your available balance and transaction history once the transfer is successfully created. Transfers officially post on the following business day, with a Posted Date reflecting the date upon which the transfer was performed.  

Because money is transferred instantly, we cannot cancel or reverse a transfer once sent. Make sure you’re sending to the correct person before completing your instant payment!

Yes!  When sending an instant payment to a friend, you can include a note describing the purpose of the payment.  As a reminder, the note cannot contain lewd, offensive, harassing, or threatening language.

No, there are no fees to send a payment to another T-Mobile MONEY account holder.

We cannot cancel or reverse a payment to a friend once it is sent.  You must review and confirm the recipient and other payment information are accurate prior to completing the transfer and sending the funds.

If you did not authorize a payment to a friend from your account, please contact a T-Mobile MONEY Specialist immediately via phone at 855-398-9321. Hours of operation are 8AM-12AM ET, 365 days a year. Bilingual support is available.

Yes, once the instant payment is sent, the recipient will receive a push and/or email notification from the T-Mobile MONEY app, per their app and device notification settings, that they have received a payment, the amount, and who sent the funds.

1.  Log in to the T-Mobile MONEY app

2.  Go to the ‘Move money’ tab, then ‘Pay friends’

3.  Select ‘Payment activity’ to view your history of sent and received instant payment transfers

You can also view your instant payments in your transaction history or T-Mobile Money statements.

Yes!  Instant payments to friends sent from your checking account will count as a qualifying transaction during the Perks cycle in which the payment posts. For more information, please see our Terms and Conditions.

We currently only support sending money. Any communications you receive regarding payments to a friend will come from the phone number of the person who is trying to connect with you as a friend or the person you sent a payment to. If you receive a communication from someone claiming to represent T-Mobile MONEY, please contact a T-Mobile MONEY Specialist immediately via phone at 855-398-9321. Hours of operation are 8AM-12AM ET, 365 days a year.  Bilingual support is available. 

Never accept a friend request or send money to someone you don’t know, including payments for goods or services purchased online. Additionally, you should never share any one-time passcodes, login information, or PINs with unknown parties or anyone who reaches out claiming to represent T-Mobile MONEY.

There are many benefits to having a shared bank account with someone you know and trust. Both owners (“co-owners”) can save and spend together. This makes it very easy to combine money into one account to help reach a savings goal or share expenses.

Our invitation process is simple and ensures the security of both potential shared account owners.  To initiate a Shared Savings account invitation, both the initiator and the intended trusted recipient of the invitation must be T‑Mobile MONEY customers in good standing.  Additionally, the initiator must have funded their Checking account to open either a Shared or an individual Savings account.  

To invite another trusted person to join your Shared account, follow the below steps:

- On the Home Screen, select the ‘Open additional accounts’ option

- Select ‘Shared Savings account’

- If you have an existing individual Savings account, you can choose to add the other person to your account to make it a Shared Savings account by selecting ‘Add an owner to my existing account’  

- If you don’t have an individual Savings account, or if you want to keep your individual Savings account but would like to open a Shared Savings account with a trusted person, you can choose the option ‘Open a Shared Savings account.’ This will open a brand new account that will be shared from the start. 

- Enter the name and mobile phone number of the person you want to invite to join the Shared account with you

- Wait for the recipient to accept the invitation.  Once they accept, the initiator will have to confirm the recipient’s information to ensure that the person who received the invitation was the intended recipient.

- After confirming the recipient’s information, the Shared Savings account will be opened 

- Finally, start banking better together! Add funds to your Shared Savings account to get started.

Once established, a Shared account may not be converted into an individual account.  A co-owner who wishes to leave a Shared account may only do so by closing the Shared account.

Yes.  Either co-owner of a Shared account may call our T‑Mobile MONEY Specialists via phone 8AM-12AM ET, 365 days year, at 866-686-9358 to close the Shared account without the consent of the other co-owner. Bilingual support is available.

Both co-owners of a Shared account are considered to have equal access to funds in the Shared account. All funds existing in the account at the time the shared account is established and all future funds are equally owned by both co-owners.

Attempting to invite someone who is currently not eligible to join a Shared account will result in an error during the invitation process. Reasons for your intended recipient’s ineligibility may include but is not limited to the following:

- The intended recipient is currently not a T‑Mobile MONEY customer

- The intended recipient is a T‑Mobile MONEY customer but uses a different phone number than the one you entered during the invitation process

- The intended recipient’s account is not in good standing

- The intended recipient’s account has a temporary restriction