*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. Promotional deposits will not count towards this deposit requirement. See "Got Your Back" Terms and Conditions for more details.

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.

Got questions?

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 deposits totaling $200 during a single calendar month to their checking account receive up to $50 of spending in overdrafts with no fees. Just make sure your account balance is positive again by the end of the day on the 30th day after the account first goes negative.

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. Promotional deposits will not count towards this deposit requirement. See "Got Your Back" Terms and Conditions for more details.

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 to a positive balance as of the end of the banking day.

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. Promotional deposits will not count towards this deposit requirement.  See "Got Your Back" Terms and Conditions for more details.