At T-Mobile, we are always looking for ways to do more for our customers. T-Mobile MONEY offers customers a fee-free, high interest, and mobile-first checking account. T-Mobile MONEY is FDIC insured and has no monthly fees, no minimum balance fees, no overdraft fees, no transfer fees, and no late payment fees.

On this page:

 

Benefits

T-Mobile MONEY is a checking account that pays everyone 1.00% Annual Percentage Yield (APY) on all balances. Benefits for everyone include:

  • 1.00% APY.
  • No minimums.
  • No monthly fees.
  • No overdraft fees.
  • Access to 55,000 no-fee ATMs (more no-fee ATMs than Bank of America, Chase, or Wells Fargo).
  • FDIC-insured, secure banking, with 24/7 support, all from the convenience of your phone.

T-Mobile customer perks

While anyone can use T-Mobile MONEY, T-Mobile customers with qualifying wireless plans in the continental US, who deposit $200 each month, get the following extra perks:

  • 4.00% APY* (on balances up to $3000 when you deposit $200 each month)
  • Got-Your-Back Overdraft: Once $200 has been deposited in the account, you won’t be declined for up to $50 in overdrafts as long as you bring your bank account to a positive balance within 30-days.
  • On every wireless line: Every line on your wireless account can potentially sign up for a T-Mobile MONEY account and be eligible for customer perks. (The line holder must be an individual; perks are not available for business or government entities.)

 

Who's eligible

Anyone - new customers, existing customers, and even non-T-Mobile wireless customers are all welcome! Requirements:

  • Be of legal age.
  • Have a U.S. government issued ID (military ID not accepted).
  • Have a Social Security number.
  • Have a U.S. or Puerto Rico street address.
  • Must have, or set up, a T-Mobile ID.

 

How to sign up

Getting started is easy, just pick what works best for you:

 

Get help with the T-Mobile MONEY

If you have questions or need additional assistance with your T-Mobile MONEY account, simply call **MONEY from your T-Mobile phone or dial 1-866-686-9358.

 

*T-Mobile customers must be on a qualifying wireless plan, register for perks, and make qualifying deposits of at least $200/month to gain the 4.00% Annual Percentage Yield on balances up to $3,000, with 1.00% Annual Percentage Yield on all balances above that. For more information, refer to the Annual Percentage Yield details in the app or to call a T-Mobile MONEY Specialist.