Deposit money

  • Mobile check deposit
  • Easy money transfers in from external accounts
  • Deposit cash at participating merchants
  • Direct deposit setup

Payments and transfers

  • Bill pay
  • Free money transfers to external accounts
  • Send a check
  • Send money to a friend

Spend money

  • Debit card with EMV chip
  • No-fee Allpoint® ATM network (over 55,000 ATMs worldwide)
  • Mobile wallet compatibility (Apple Pay,* Samsung Pay, Google Pay)

* Apple Pay is not available in all markets. Visit the Apple Feature Availability page here for more information.

Peace of mind

  • FDIC-insured up to $250K
  • 24/7 customer support
  • Fingerprint and Face ID login
  • Account alerts
  • Debit card disabling

Got questions?

What makes T-Mobile MONEY different?

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 1.00% Annual Percentage Yield (APY)* on all balances. Plus, T-Mobile wireless customers with an eligible postpaid plan who register for perks and deposit at least $200 a month earn 4.00% APY* on balances up to $3,000 and 1.00% 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 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 per month when: 1) you are enrolled in a qualifying T-Mobile postpaid wireless plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least $200 in qualifying deposits have posted to your Checking Account before the last business day of the month. Deposits posting on or after the last business day of the month count toward the next month’s qualifying deposits. Promotional deposits 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 5/29/2020, but may change at any time at our discretion. Fees may reduce earnings. For more information, see Account Disclosures / Terms and Conditions.

My purse/wallet was stolen, and my T-Mobile MONEY debit card was in it. What do I need to do?

Log in to your T-Mobile MONEY mobile or web 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 at 866-686-9358 or **MONEY from your device, if you're a T-Mobile wireless customer. If you're calling from outside of the United States, please dial 414-751-6700. 

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

How often should I change my password?

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 (

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.

What types of identification are acceptable for use when applying for a T-Mobile MONEY account?

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

Does T-Mobile MONEY rebate ATM fees?

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

How do I sign up for T-Mobile MONEY?

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 and follow the instructions to open an account. 

T-Mobile MONEY accounts are held at BankMobile, a division of Customers Bank. Member FDIC.

How do I reset the security questions for my T-Mobile MONEY account?

Please contact a T-Mobile MONEY Specialist to reset your security questions. Dial **MONEY from your T-Mobile phone or call 866-686-9358. If you’re calling from outside the United States, dial 414-751-6700. 

Will I get charged for using an ATM that isn't Allpoint®?

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 is a business, right? How do you make money if you don't charge fees?

This is all handled between T-Mobile, merchants, and BankMobile, a division of 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.

What is T-Mobile MONEY's FDIC certificate number?

You’ll find us under “Customers Bank” whose FDIC certificate number is 34444. T-Mobile MONEY accounts are held at BankMobile, a division of Customers Bank. Member FDIC.

How secure is the T-Mobile MONEY app and website?

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 our financial partner, BankMobile, a division of 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). 

Does T-Mobile MONEY run a credit check or help build my credit score?

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, BankMobile, a division of Customers Bank, may request certain personally identifying information (PII) including but not limited to, validating your name, address, date of birth and SSN.

T-Mobile MONEY accounts are held at BankMobile, a division of Customers Bank. Member FDIC.