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Update in progress

T-Mobile MONEY is currently down for scheduled maintenance. While account access is temporarily unavailable, your card transactions, direct deposits, and scheduled funds transfers are not affected.

Online account access will be restored shortly. If you need immediate assistance, contact a T-Mobile MONEY Specialist at 866-686-9358 or dial 414-751-6700 from outside the U.S.

Update in progress

T-Mobile MONEY is currently down for scheduled maintenance and new accounts cannot be created at this time. Please come back later to sign up for an account.
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"Got Your Back" Terms and Conditions

Effective Date: 3/31/2021

The “Got Your Back” overdraft protection program (the “Program”) provides for payment of debit card purchase, check, or ACH payment transactions that would cause an overdraft of up to $50.00 based on the balance in your T-Mobile MONEY Checking Account if you meet the qualification criteria for the Program and adhere to the Program Terms and Conditions outlined below.

Qualification Criteria:

In order to participate in the program, you must be actively enrolled in perks. Perks is a program that enables account holders who enroll in the program to receive additional benefits and promotions through their T-Mobile MONEY Checking Accounts. Perks are available for all T-Mobile wireless customers in the continental U.S., registered with perks and with active post- paid wireless plans. E.g. T-Mobile ONE, T-Mobile ONE+ and Simple Choice plan(s) and other postpaid plans, excluding the No Credit Check plan. Prepaid plans and METRO by T-Mobile do not qualify for perks. Each individual on a qualifying account is eligible for a separate T-Mobile MONEY account.

Businesses, partnerships, and/or other legal entities are not eligible to open T-Mobile MONEY Checking Accounts and as such are also not eligible to participate in perks. However, individuals who have a wireless line on an eligible T-Mobile business plan and open a T-Mobile MONEY account for personal use in accordance with the Account Terms and Conditions are eligible for perks. Perks are unavailable to the extent prohibited by law. Please contact a T-Mobile MONEY Specialist at (866) 686-9358 for specific requests pertaining to perks eligibility.

 

Got Your Back overdraft protection will begin when all of the following conditions are met: 
 
1. You are enrolled in an active T-Mobile postpaid wireless plan (e.g. T-Mobile ONE, T-Mobile ONE+ and Simple Choice plan(s) and other postpaid plans, excluding the No Credit Check plan (a “Qualifying Plan”)); 
 
2. You have registered through the Website or the App for perks with your T-Mobile ID; and 
 
3. At least 10 qualifying purchases using your T-Mobile MONEY Mastercard® Debit Card have posted to your Checking Account in a single calendar month. For purchases to count in a given month, they must post before the last business day of the month. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases, however you are only required to meet this deposit requirement once to receive Got Your Back benefits. “Posted” (“posting” and “post”) means that a given purchase has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized.
 
A "qualifying purchase" is a purchase of goods or services made through use of the T-Mobile MONEY Mastercard® Debit Card, whether you use the physical card, the card numbers (as with a “card not present” transaction on the Internet), or an e-wallet like Apple Pay®, Google Pay, or Samsung Pay. Purchases will qualify regardless of whether “debit” or “credit” is chosen at the point of sale.
 
Qualifying purchases do not include, without limitation, the following: 
 
  • Transactions at ATMs, including but not limited to cash withdrawals. 
  • Over the counter cash withdrawals that do not include a purchase. 
  • Cash advances on your T-Mobile MONEY Mastercard® Debit Card. 
  • Transfers from the T-Mobile MONEY Mastercard® Debit Card via external peer-to-peer (P2P) transfer services, including, but not limited to, PayPal®, Venmo®, Cash App®, Zelle®, and Apple Cash® or similar services. 
  • Credits to your T-Mobile MONEY Mastercard® Debit Card (for example a refund or return). 
  • ACH debits from merchants, utility service providers and other financial institutions. 
  • ACH transfers from the T-Mobile MONEY Checking Account to another bank account you own made using the Website or the App. 
  • Payments made using the bill payment feature in the T-Mobile MONEY Online Bill Payment Service. 
  • Transfers or withdrawals from the T-Mobile MONEY Checking Account. 
  • Purchase authorizations / Pending purchases / Holds that have not yet posted to your T-Mobile MONEY Checking Account.

 

Terms and Conditions:

The Got Your Back overdraft protection program provides for payment of debit card purchase, check, or ACH payment transactions that would cause an overdraft of up to $50.00 based on the balance in your checking account. This does not include other types of transactions such as ATM withdrawals, same-day electronic bill payments, or point of sale purchases that include cash back.

You will need to bring your account to a positive balance no later than 30 calendar days from the date your account becomes negative. This means that the balance must be positive at the close of the banking day. This includes the amount of any and all transactions that were paid through this Program while the account was negative. For example, if we covered a $20 transaction on August 1 that brought your account balance to -$20, then we covered a $10 transaction on August 15 that brought your account balance to -$30, you would need to bring the account to a positive balance (i.e. a deposit of at least $30 must post to your account) by the end of the banking day on August 31 and the balance must remain positive through the close of the banking day to satisfy this requirement. Failure to do so may disqualify you from this Program.

See Account Disclosures / Terms and Conditions for details on deposits, availability, bank business days and bank hours.

If your Qualifying Plan is terminated for any reason, your participation in this Program will be terminated on the business day on which you become ineligible.

We reserve the right to change the terms, conditions, and qualifications for this Program at any time. Nothing in these Terms and Conditions shall modify your responsibility to keep your account in good standing and repay the total amount of any and all overdrafts according to the parameters set forth in the Account Disclosures / Terms and Conditions.

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