All T-Mobile MONEY customers earn 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 registering for perks and making at least 10 qualifying purchases per month using their T-Mobile MONEY card.

*Click here for APY details or see below.
^ Based on information provided by the FDIC as of 6/24/2021

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The T-Mobile MONEY app helps you set up direct deposit quickly and securely. Plus, when you deposit your paycheck automatically you can get paid up to 2 days early.*

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*How APY works: 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 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking Account 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. If you meet this purchase 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. As an additional added value for customers that haven’t yet deposited money into their T-Mobile MONEY account, you will receive 4.00% APY in the 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 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 6/24/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. 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.

How Got Your Back works: Available only to 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 purchases using your T-Mobile MONEY card have posted to your Checking Account before the last business day of the month. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.