**T-Mobile Money customers will earn 4.00% annual percentage yield (APY) on the first $3,000 in your checking account, when you make a payroll-based direct deposit of at least $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. Customers who do not qualify for the 4.00% APY will earn 2.50% APY on all checking account balances for any month(s) in which they do not meet the requirement listed above. View APY details