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Enjoy better online banking with T-Mobile Money.

T-Mobile Money is now in the T-Life app—your all-in-one spot for everything T-Mobile. Enjoy access to over 55,000 no-fee ATMs1 and zero account fees. Plus, get your paycheck up to two days early with direct deposit2.

Managing your T-Mobile life—banking, wireless, and more—is easier than ever. Download the T-Life app today.

T-Mobile Money debit card partially covering a phone screen showing the T-Mobile Money page in the T-Life app.

Your new and improved debit card.

Your T-Mobile Money debit card has a fresh look and some smart new features, like built-in NFC technology for quick and secure contactless payments.

Your card number has changed as well, so make sure to update your card details with any merchants or recurring payments.

Changes to your T-Mobile Money experience.

Some features work differently in the T-Life app, and a few haven’t carried over. Check out the FAQs to learn what’s new and what’s different.

You’ll have access to your old account for past statements through 9/15/2025.

LIMITED TIME ONLY

Earn 4.00% APY* on your entire checking account balance between 8/27–11/30.

We put you and your money first.

No overdraft fees, no account fees, and 55,000+ no-fee ATMs.1

Get paid up to two days early with payroll direct deposit.2

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With Got Your Back,3 we'll spot you up to $50 if you overdraft.

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Earn 4.00% Annual Percentage Yield (APY)* on checking account balances up to $3,000 and 2.50% APY on all balances after that.

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Save on your T‑Mobile or Metro wireless bill when you set up AutoPay with your Money account. Another great way to earn perks!

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Your new debit card will have NFC technology built in, so you can tap to pay and be on your way.

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T-Mobile Money customers save more.

With a T-Mobile Money account, you can enjoy great discounts offered by our featured partners—save on select travel, dining and more.

Find out more

Qualifying plan required. T-Mobile Tuesdays: See T-Mobile Tuesdays in T-Life app for details.

Let your money work harder.

You can earn industry-leading checking and savings interest rates—higher than the national average†—with T‑Mobile Money.

Graph comparing APY percentages across 3 domains. All T-Mobile Money customers earn 4.00 percent APY on checking balances up to 3,000 dollars and 2.50 percent APY on all balances after that. All T-Mobile Money customers earn 2.50 percent APY on all checking and savings balances. National average interest rates are less than .38 percent APY for savings and .07 percent APY for checking.

All T-Mobile Money customers earn 2.50% APY* on all checking and savings balances. Customers who set up payroll-based direct deposit of at least $200 in their Checking account every month can earn 4.00% APY* on all balances up to $3,000 and 2.50% APY after that in their T-Mobile Money checking account.

* 

† Based on information provided by the  as of 7/21/25

1 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.

2 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.

3 How Got Your Back works: When T-Mobile Money launches in T-Life, Got Your Back will be available for Checking account customers with payroll-based direct deposit of at least $200 every 31 days. Available only for Checking account customers with payroll-based direct deposit of at least $200 every 31 days. Each day, we look at the total amount you’ve deposited into your checking account over the past 31 days. Once the deposit total hits $200 or more, Got Your Back turns on. If the deposits we count in the 31-day window add up to less than $200, coverage turns off—but it’ll return once you meet the requirement again.

* How APY works: When T-Mobile Money launches in T-Life, you will earn 4.00% annual percentage yield (APY) on all balances in your Checking account through 11/30/25. Starting 12/1/25 you will earn 4.00% APY on the first $3,000 in your Checking account, when you make payroll-based direct deposits totaling $200 in your Checking account every month. These added value benefits are subject to change. Balances above $3,000 in the Checking account earn 2.50% APY. If you do not qualify for the 4.00% APY, you will earn 2.50% APY on all Checking account balances for any month(s) in which they do not meet the requirement listed above.

Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. APYs are accurate as of 7/25/25 but may change at any time at our discretion. Fees may reduce earnings.

For current terms and conditions, see Account Disclosures / Terms and Conditions.

†Based on information provided by the FDIC as of 7/25/25.

Mastercard is a registered trademark, and the circles design and True Name are trademarks of Mastercard International Incorporated.

T-Mobile Money accounts are provided by Coastal Community Bank, Member FDIC. T-Mobile is not a bank. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. The T-Mobile Money Debit Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design and True Name are trademarks of Mastercard International Incorporated.