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Earn 50X more

That’s 50X more than the average U.S. checking account interest rate.** Everyone earns 1.00% APY* on all balances. T-Mobile wireless customers with qualifying service can earn 4.00% APY* on balances up to $3,000 and 1.00% APY after that in their T-Mobile MONEY checking account by depositing at least $200/month and registering for perks.
* Click here for APY details or see below.
** Based on information provided by the FDIC as of 2/13/20.
See how it works

No more account fees.

It’s your money. Keep it. No overdraft fees. No maintenance fees. No fees at Allpoint® ATMs. No minimum balance. See how we compare

More no-fee ATMs than the big guys.

Access over 55,000 no-fee ATMs worldwide with the Allpoint® ATM Network. That’s more than Bank of America, Chase, or Wells Fargo. See how we compare. Find an ATM

Rest easy. Your money is secure.

From free Got Your Back overdraft protection and FDIC insurance to 24/7 customer support, T-Mobile MONEY has got you covered.
PROTECTION

FDIC-insured.

Your T-Mobile MONEY account is insured up to $250,000.

MASTERCARD® DEBIT

Zero Liability Protection.

When you use your T-Mobile MONEY debit card, you’re protected when fraud occurs. With Mastercard's Zero Liability Protection, you will not be held responsible for unauthorized transactions (see terms and conditions).

EXPERTS ON DECK

24/7 support.

Speak with a T-Mobile MONEY Specialist any time. Day or night.

Get help
GOT YOUR BACK

30-day grace period on overdrafts.

Bye bye, overdraft fees. Plus, T-Mobile wireless customers who deposit at least $200 in a month and register for perks get $50 in Got Your Back overdraft protection.

See details
DEVICE SECURITY

Fingerprint and Face ID login.

Safeguard your data with your phone’s built-in security features.

PEACE OF MIND

Disable your card.

Turn off your debit card instantly if you think something fishy is going on.

  • Mobile wallet

    Get instant access to your money right from your phone. Tap to pay with Apple Pay, Google Pay or Samsung Pay.

  • Pay bills in a snap

    Be on time, every time. Set up and pay your bills with T-Mobile MONEY.

  • Mobile check deposits

    Snap pics of your checks from wherever life takes you.

  • Direct deposit made easy

    The T-Mobile MONEY app helps you seamlessly switch or set up a new direct deposit in minutes.

    See how

Get started in minutes.

Signing up is super easy. Open an account today on mobile or web and start your path to better MONEY!

*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 or go to our FAQs.

Get paid up to 2 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 2 days earlier than scheduled.