[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) Save on your wireless bill ($5/month per eligible T-Mobile line or Metro account) when you set up AutoPay with your Money account. # Enjoy better online banking with T-Mobile Money. T-Mobile Money is managed 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. [](https://apps.apple.com/us/app/t-life/id1111876388) [](https://play.google.com/store/apps/details?id=com.tmobile.tuesdays)  ## Enjoy better online banking with T-Mobile Money. We put you and your money first. ## No overdraft fees, no account fees, and 55,000+ no-fee ATMs.1  ## 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  ## Get paid up to two days early with payroll direct deposit.2 ## With [Got Your Back,](# "Get more details about Got Your Back3")3 we'll spot you up to $50 if you overdraft.  ## With [Got Your Back,](# "Get more details about Got Your Back3")3 we'll spot you up to $50 if you overdraft. ## Earn [4.00% Annual Percentage Yield (APY)\*](https://www.t-mobile.com#MONEY) on checking account balances up to $3,000 and 2.50% APY on all balances after that.  ## Earn [4.00% Annual Percentage Yield (APY)\*](https://www.t-mobile.com#MONEY) on checking account balances up to $3,000 and 2.50% APY on all balances after that. ## Save on your [T‑Mobile](https://account.t-mobile.com/signin/v2/ "Login to your T-Mobile account to setup AutoPay. ") or [Metro](https://www.metrobyt-mobile.com/login/sign-in "Login to your Metro account to setup AutoPay.") wireless bill when you set up AutoPay with your T-Mobile Money account. Another great way to earn perks!  ## Save on your [T‑Mobile](https://account.t-mobile.com/signin/v2/ "Login to your T-Mobile account to setup AutoPay. ") or [Metro](https://www.metrobyt-mobile.com/login/sign-in "Login to your Metro account to setup AutoPay.") wireless bill when you set up AutoPay with your T-Mobile Money account. Another great way to earn perks! ## Your new debit card will have NFC technology built in, so you can tap to pay and be on your way.  ## Your new debit card will have NFC technology built in, so you can tap to pay and be on your way. ## Save on your wireless bill. Use your T-Mobile Money checking account or debit card to set up AutoPay for your [T-Mobile wireless account](https://account.t-mobile.com/signin/v2/) and save $5 per eligible line per month. ([Metro customers](https://www.metrobyt-mobile.com/login/sign-in) save $5 per month per eligible account.)   ## Save on your wireless bill. ## Say goodbye to account fees. It's your money-you shouldn't be charged just to use it. Our high-yield online checking account has no account fees, no overdraft fees, and no minimum balance, plus 55k+ no-fee Allpoint® ATMs1. ## Say goodbye to account fees. ## 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. [](https://www.t-mobile.com) [](https://www.t-mobile.com) [](https://www.t-mobile.com) [Find out more](https://www.t-mobile.com/cards/money/benefits) ## T-Mobile Money customers save more. ## Let your money work harder. You can earn industry-leading checking and savings interest rates—higher than the national average†—with T‑Mobile Money.  All T-Mobile Money customers earn 2.50% APY* on all checking and savings balances. Customers who make a 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. * Review APY details __1__ ATMs may be added/removed from the Allpoint® network periodically. As a result, we encourage you to check the [Allpoint® ATM locator](https://www.t-mobile.com/cards/money/no-fee-atms) 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. Out of network fees may apply. __2 Get paid up to two days early with qualifying direct deposit:__ Subject to description and timing of the payroll-based direct deposit, we typically make funds available the business day received, which may be up to two days earlier than scheduled. See [Account Terms](https://www.t-mobile.com/cards/money/terms) for more information. __3 How Got Your Back works:__ Got Your Back will be available for checking account customers with qualifying payroll-based direct deposit of at least $200 every 31 days. Each day, we look at the total amount of eligible deposits you’ve deposited into your checking account over the past 31 days. Once the eligible deposit total hits $200 or more, Got Your Back turns on the next day. If the eligible 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. See [Account Terms](https://www.t-mobile.com/cards/money/terms#gyb5) for more information. __* How APY works:__ Annual Percentage Yield (APY) accurate as of 05/01/2026 and are subject to change at any time before or after account opening. Rates effective through May 31, 2026 and will change effective June 1, 2026. To earn up to 4.00% APY, at least one qualifying payroll based direct deposit of $200 or more must be received each calendar month. When this requirement is met, balances from $0–$3,000 earn 4.00% APY and balances over $3,000 earn 2.50% APY through May 31, 2026 and 1.00% APY effective June 1, 2026. Accounts without a qualifying payroll based direct deposit will earn 2.50% APY on the entire balance through May 31, 2026 and 1.00% APY effective June 1, 2026.  __Savings and Shared Savings__ earn 2.50% APY through May 31, 2026 and 1.00% APY effective June 1, 2026. APYs are accurate as of 05/01/2026 and are subject to change at any time before or after Savings or Shared Savings opening. Qualifying direct deposit requirements, eligibility criteria, and other conditions apply. Fees may reduce earnings. For complete details, view [__Full Terms Here__](https://www.t-mobile.com/cards/money/terms). __For current terms and conditions__, see [Account Disclosures / Terms and Conditions.](https://www.t-mobile.com/cards/money/terms) __†__Based on information provided by the [FDIC](https://www.fdic.gov/national-rates-and-rate-caps) as of 03/16/2026. 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. ### Got Your Back overdraft protection __How Got Your Back works:__ 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 the next day. 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. ### APY Details __How APY works:__ Annual Percentage Yield (APY) accurate as of 05/01/2026 and are subject to change at any time before or after account opening. Rates effective through May 31, 2026 and will change effective June 1, 2026.  To earn up to 4.00% APY, at least one qualifying payroll based direct deposit of $200 or more must be received each calendar month. When this requirement is met, balances from $0–$3,000 earn 4.00% APY and balances over $3,000 earn 2.50% APY through May 31, 2026 and 1.00% APY effective June 1, 2026.  Accounts without a qualifying payroll based direct deposit will earn 2.50% APY on the entire balance through May 31, 2026 and 1.00% APY effective June 1, 2026.   Qualifying direct deposit requirements, eligibility criteria, and other conditions apply. Fees may reduce earnings.  ### Got Your Back overdraft protection __How Got Your Back works:__ Available only for Checking accounts and T‑Mobile wireless customers with a line on a qualifying T‑Mobile or Metro by T‑Mobile plan who have registered for perks. Got Your Back will begin once at least 10 [__qualifying transactions__](https://www.t-mobile.com/cards/money/terms#qpurchase) have posted to your Checking account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See [__"Got Your Back" Terms and Conditions__](https://www.t-mobile.com/content/digx/tmobile-money/us/en/got-your-back-terms-and-conditions) for more details. ### APY Details __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/content/digx/tmobile-money/us/en/terms.html#qpurchase) 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/content/digx/tmobile-money/us/en/terms.html) or go to our [__FAQs__](https://www.t-mobile.com/content/digx/tmobile-money/us/en/faq.html). ### Open external link? This link will take you to a page outside of the T-Mobile MONEY powered by BMTX website. We are not liable for information provided by third party websites. [Continue , opens in a new window](https://www.fdic.gov/regulations/resources/rates/) ### Open external link? This link will take you to a page outside of the T-Mobile MONEY powered by BMTX website. We are not liable for information provided by third party websites. [Continue , opens in a new window](https://www.mastercard.us/en-us/personal/get-support/zero-liability-terms-conditions.html) #### It's more than a name. It's who you are. __We see you and we share your pride.__ True NameTM is a new feature provided by T‑Mobile MONEY that lets you feel empowered with a debit card that reflects who you truly are. Simply add the name you identify with, approve how it looks on your card, and be your true self with every transaction. Your identity will always be supported when you bank with T‑Mobile MONEY. ## Hello! Want to stay logged in? 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