See how we compare
Account Type
Monthly fee
No-Fee Acct Balance Minimum
Overdraft Fee
No-fee ATMs
Core Checking
Total Checking
Everyday Checking
*or $250 in monthly direct deposit contributions
**or $500 in monthly direct deposit contributions
***or $500 in qualified direct deposits or 10+ monthly debit card transactions
This information was obtained from the Bank of America, Chase, and Wells Fargo fee schedules as of 11/14/2018. See these fee schedules for more details.

Get answers

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. 


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.

Is there an Spanish/Espanol version of T-Mobile MONEY?

You can reach a Spanish-speaking T-Mobile MONEY Expert 24/7 at 866-686-9358 or dial **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.

Are there really no fees charged by T-Mobile MONEY?

Yes! There's no monthly fees, no overdraft fees, no transfer fees, no late payment 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. 

Is it possible to sign up for a T-Mobile MONEY account if you don't have a device that will support the mobile app?

Absolutely! Visit 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.