Open your online checking account in minutes—and get access to over 55,000 no‑fee ATMs and zero account fees. Plus, get your paycheck up to two days early with direct deposit1 and pay friends instantly with no fees.
All T-Mobile MONEY customers earn 2.25% APY* on all checking and savings balances. T-Mobile wireless customers with qualifying service can earn 4.00% APY* on balances up to $3,000 and 2.25% APY after that in their T-Mobile MONEY checking account by registering for perks and making at least 10 qualifying transactions per month using their T-Mobile MONEY card and/or instant payments to friends. Checking account that is in good standing and has been funded is required to open a savings account.
* Review
3 Based on information provided by the
T-Mobile MONEY Specialists do not provide financial, tax, or investment advice.
1 Get paid up to two days early with direct deposit: 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 two days earlier than scheduled.
2 How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection 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.
3 Based on information provided by the FDIC as of 10/01/22
* 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 postpaid wireless 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 2.25% APY. The APY for this tier will range from 4.00% to 3.30% 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 2.25% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. Savings account customers earn 2.25% annual percentage yield (APY) on all 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 a Savings account. APYs are accurate as of 10/01/22 but may change at any time at our discretion. Fees may reduce earnings.
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 is subject to change.
For more information, see Account Disclosures / Terms and Conditions or go to our FAQs.
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