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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.

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

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 T-Mobile 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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LIMITED TIME ONLY

Earn 4.00% APY* on your entire checking account balance between 8/27/25–11/30/25.

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 and save $5 per eligible line per month. (Metro customers save $5 per month per eligible account.)

 

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.

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

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.

* 

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 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.

* 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.