* 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.

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Got questions?

Does T-Mobile MONEY offer early direct deposit?

Yes! With T-Mobile MONEY, you can get your paycheck up to 2 days early* when you use direct deposit.

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. 

What do I do if I set up direct deposit, but I'm not getting my paycheck one or two days early?

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 payroll-related 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 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

Are there any extra steps I need to take after setting up my Social Security Administration (SSA) direct deposit to T-Mobile MONEY?

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.

Can I direct deposit government payments to my T-Mobile MONEY account?

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).

How do I set up direct deposit?

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.