*Available to T-Mobile wireless customers with a line on an eligible postpaid plan only. The T-Mobile postpaid customer must make $200 in customer-initiated deposits in a single month into their T-Mobile MONEY Checking account. The $200 can be either done as one deposit or in multiple deposits during a calendar month. Credits that are from promotional signup bonuses or T-Mobile store credits will not count as qualifying deposits.

Here’s how we Got Your Back.

1

Register your T-Mobile wireless number for perks.

2

Turn on Got Your Back with $200 in deposits during a calendar month.

3

Oops your account is overdrawn.

4

Relax. We Got Your Back as long as you pay it back within 30 days.

Get answers

What is Got Your Back overdraft protection and how do I qualify?

Got Your Back* (GYB) is our way of having your back when you go over your account balance. Here's how it works: qualifying T-Mobile wireless customers who register for perks and make a one-time deposit of $200 during the calendar month to their checking account receive up to $50 of spending in overdrafts with no fees.

Got Your Back (GYB) is not available for cash advances and ATM cash withdrawals. 

To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

* Available to T-Mobile wireless customers with a line on an eligible postpaid plan only. The T-Mobile postpaid customer must make $200 in customer-initiated deposits in a single month into their T-Mobile MONEY Checking account. The $200 can be either done as one deposit or in multiple deposits during a calendar month. Credits that are from promotional signup bonuses, refunds/returns, or T-Mobile store credits will not count as qualifying deposits. See Got Your Back Overdraft Protection Agreement.

What is Got Your Back overdraft protection and how do I qualify?

Got Your Back* (GYB) is our way of having your back when you go over your account balance. Here's how it works: qualifying T-Mobile wireless customers who register for perks and make a one-time deposit of $200 during the calendar month to their checking account receive up to $50 of spending in overdrafts with no fees.

Got Your Back (GYB) is not available for cash advances and ATM cash withdrawals. 

To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

* Available to T-Mobile wireless customers with a line on an eligible postpaid plan only. The T-Mobile postpaid customer must make $200 in customer-initiated deposits in a single month into their T-Mobile MONEY Checking account. The $200 can be either done as one deposit or in multiple deposits during a calendar month. Credits that are from promotional signup bonuses, refunds/returns, or T-Mobile store credits will not count as qualifying deposits. See "Got Your Back" Terms and Conditions.

What happens if I don't pay back my Got Your Back overdraft protection?

If you're unable to pay us back within 30 days from the date your account went negative, you will lose Got Your Back* overdraft protection. You need to add money to your account to get it above $0.

To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

* Available to T-Mobile wireless customers with a line on an eligible postpaid plan only. The T-Mobile postpaid customer must make $200 in customer-initiated deposits in a single month into their T-Mobile MONEY Checking account. The $200 can be either done as one deposit or in multiple deposits during a calendar month. Credits that are from promotional signup bonuses, refunds/returns, or T-Mobile store credits will not count as qualifying deposits. See "Got Your Back" Terms and Conditions.

What happens if I don't pay back my Got Your Back overdraft protection?

If you're unable to pay us back within 30 days from the date your account went negative, you will lose Got Your Back* overdraft protection. You need to add money to your account to get it above $0.

To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

* Available to T-Mobile wireless customers with a line on an eligible postpaid plan only. The T-Mobile postpaid customer must make $200 in customer-initiated deposits in a single month into their T-Mobile MONEY Checking account. The $200 can be either done as one deposit or in multiple deposits during a calendar month. Credits that are from promotional signup bonuses, refunds/returns, or T-Mobile store credits will not count as qualifying deposits. See Got Your Back Overdraft Protection Agreement.