[Skip to main content](https://www.t-mobile.com#content-main) [](https://www.t-mobile.com/cards/money) [](https://www.t-mobile.com/cards/money) - [No-Fee ATMs](https://www.t-mobile.com/cards/money/no-fee-atms) - [Bonus Offers](https://www.t-mobile.com/cards/money/benefits) - [Deposit Cash Locations](https://www.t-mobile.com/cards/money/deposit-cash-locations) - [FAQs & Support](https://www.t-mobile.com/cards/money/faqs) [Log in](https://www.t-mobile.com/signin?client_id=TMM_Web) - [Wireless](https://www.t-mobile.com/) - [Business](https://www.t-mobile.com/business) - [Prepaid](https://prepaid.t-mobile.com/home) - [Internet](https://www.t-mobile.com/home-internet) [](https://www.t-mobile.com) # Say goodbye to account fees. It’s your money—you shouldn’t be charged just to use it. Our high-interest checking account has no account fees, no overdraft fees, no maintenance fees, and no minimum balance, plus 55k+ no-fee Allpoint® ATMs.* ## Say goodbye to account fees. ## See how we compare. Here’s a quick review of the benefits you get with an online checking account from T-Mobile Money versus three competitors. ## See how we compare.   __T-Mobile MONEY__ Checking __Bank of America__ Advantage Plus __Chase__ Total Checking __Wells Fargo__ Everyday Checking Monthly fee __$0__ $12 $12 $10 Minimum account balance required to waive monthly fee __$0__ $1,5001 $1,5002 $5003 Overdraft fee __$0__ $10 $34 $35 No-fee ATMs __55,000+__ 15,000 15,000 11,000 1 or $250 in monthly direct deposit contributions 2 or $500 in monthly direct deposit contributions 3 or $500 in qualifying electronic deposits All details were obtained from publicly available info for Bank of America, Chase, and Wells Fargo as of 1/31/2025.   \*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. ### Got questions? - ### What makes T-Mobile Money different? ##### What makes T-Mobile Money different? We love our customers, and we want to offer them better Money. So we've built a checking account where you can get paid up to 2 days early* with payroll-related direct deposits and everyone earns 2.50% Annual Percentage Yield (APY)\** on all balances. Plus, T-Mobile wireless customers with a qualifying T-Mobile or Metro by T-Mobile plan who register for perks and make at least 10 qualifying transactions per month can earn 4.00% APY\** on balances up to $3,000 and 2.50% APY after that. Everyone gets access to over 55,000 no-fee Allpoint® ATMs in the U.S. and abroad (more than Bank of America, Chase or Wells Fargo) and our no overdraft fee, no account fee, no maintenance fee, and no minimum balance requirement checking account. To see what you're eligible for, log in to the T-Mobile Money app and select 'My perks'. *\*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 APY works:__ __Checking account customers__ 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 or Metro by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions have posted to your Checking account before the last business day of the month. [Qualifying transactions](https://www.t-mobile.com/cards/money/terms) posting on or after the last business day of the month count toward the next month’s qualifying transactions. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and including $3,000 in the statement 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 2.50% APY. The APY for this tier will range from 4.00% to 3.40% 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 2.50% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. __Savings account customers__ earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile Money Checking account that is in good standing and has been funded to open any type of Savings account. APYs are accurate as of 12/01/22 but may change at any time at our discretion. Fees may reduce earnings. For more information, see [Account Disclosures / Terms and Conditions](https://www.t-mobile.com/cards/money/terms.html).* - ### Does T-Mobile Money rebate ATM fees? If you use an out-of-network ATM, we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees.  We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one [here](https://www.t-mobile.com/cards/money/no-fee-banking). - ### T-Mobile is a business, right? How do you make money if you don't charge fees? This is all handled between T-Mobile, merchants, and Coastal Community Bank (the issuing bank). We expect to see revenues from merchant transaction fees when a customer pays with their T-Mobile Money Mastercard® debit card. Over time, we expect to see additional operational benefits in our core business in increased customer retention and reductions in payment expenses. Accounts provided by Coastal Community Bank, Member FDIC. - ### What is T-Mobile Money's FDIC certificate number? You’ll find us under “Coastal Community Bank” whose FDIC certificate number is 34444. Accounts provided by Coastal Community Bank, Member FDIC. Coastal Community Bank - ### Is there a Spanish/Espanol version of T-Mobile Money? You can reach a Spanish-speaking T-Mobile Money Specialist via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial \*\*Money from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. - ### Are there really no fees charged by T-Mobile Money? Yes! There are no monthly fees, no overdraft fees, no transfer fees, no fees at 55,000+ in-network Allpoint® ATMs worldwide, no T-Mobile Money out-of-network fees—all with no minimum balance requirements. Customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. [View all FAQs](https://www.t-mobile.com/cards/money/faqs) 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. ## Hello! Want to stay logged in? To keep your accounts safe, you'll be automatically logged out in:  Yes, stay logged in No, log me out ## Share your screen with an Expert __Get guided support over the phone or while shopping in-store__ - For your security, personal info, tabs, and notifications are automatically hidden. - You can stop screen sharing at any time. - Experts can only see what’s on T-Mobile.com. - Don’t use screen share while driving or in any situation where it's unsafe to focus on your screen. By clicking 'Accept and continue,' you are consenting to allow the Expert to view your screen for assisted navigation. This session may be recorded. To learn more, please visit the 
[__T-Mobile Privacy Notice__](https://www.t-mobile.com/privacy-center/privacy-notices/t-mobile-privacy-notice). Accept and continue No thanks __Next:__ Generate a code to share with your Expert ## Share this code with your Expert code Once your code has been successfully entered by your Expert, this window will close and continue to the session. ## Allow screen sharing with your Expert? Personal and sensitive data is hidden for your security and privacy. Allow Don’t allow ## End your session? Ending your session will stop sharing your screen, but will not end your call. End session Continue session ## Your session has ended Your screen is no longer being shared with your Expert. OK Share again ## You are already in an active session OK ## Your code has expired Generate a new one to share with your Expert. Generate new code - ### General General - [Log in](https://secure.t-mobilemoney.com/signup/authorized?INTNAV=fNav%3ALogIn) - [FAQ](https://www.t-mobile.com/cards/money/faqs) - [iOS app](https://itunes.apple.com/us/app/t-mobile-money/id1436218794?INTNAV=fNav%3AiOSApp) - [Android App](https://play.google.com/store/apps/details?id=com.tmobile.money&INTNAV=fNav%3AAndroidApp) - ### Legal Legal - [Coastal Community Bank Privacy Policy](https://www.coastalbank.com/privacy-center/?INTNAV=fNav%3ACCBPrivacyPolicy) - [Privacy Notice for California Residents](https://www.t-mobile.com/cards/money/california-consumer-privacy-notice) - [T-Mobile Privacy Notice](https://www.t-mobile.com/privacy-center/privacy-notices/t-mobile-privacy-notice) - [Account Disclosures / Terms and Conditions](https://www.t-mobile.com/cards/money/terms) - [Security](https://www.t-mobile.com/cards/money/security) - [USA PATRIOT Act](https://www.t-mobile.com/cards/money/usa-patriot-act) - ### Let's chat Let's chat - [Contact us](https://www.t-mobile.com/cards/money/faqs) - [Support](https://www.t-mobile.com/cards/money/faqs) [](https://www.t-mobile.com/) - [Learn more about “Do Not Sell or Share”](https://www.t-mobile.com/privacy-center/education/do-not-sell) - [Do Not Sell or Share My Personal Information (This link is provided by T-Mobile under the California Consumer Privacy Act and is not associated with Coastal Community Bank.)](https://www.t-mobile.com) - [Instagram](https://www.instagram.com/tmobile/) - [Facebook](https://www.facebook.com/TMobile) - [X](https://twitter.com/TMobile) - [You Tube](https://www.youtube.com/user/TMobile/custom)  ## Stay up to date with notifications Get the latest from T-Mobile when you’re using the web. You can opt out any time. Allow notifications Don't allow  ## Get the latest from T-Mobile Stay up to date with notifications - including offers just for you Allow notifications Don't allow notifications ## Say goodbye to account fees. ## See how we compare.  ## Stay up to date with notifications Get the latest from T-Mobile when you’re using the web. You can opt out any time. Allow notifications Don't allow  ## Get the latest from T-Mobile Stay up to date with notifications - including offers just for you Allow notifications Don't allow notifications