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T-Mobile MONEY: Better Banking

T‑Mobile MONEY is the bank account that puts you and your money first. Everyone earns 1.00% Annual Percentage Yield (APY) on all balances and T‑Mobile wireless customers with qualifying service who deposit at least $200 a month can earn an industry-leading 4.00% APY* on checking account balances up to $3,000.
Category Price Seller Device
Finance Free T-Mobile USA, Inc. iPhone, iPad, iPod

No account fees, no maintenance fees, and no minimum balances. Plus, access over 55,000 fee-free ATMs worldwide with the Allpoint® ATM Network – that’s more than Bank of America, Chase or Wells Fargo!

T‑Mobile MONEY accounts are held at BankMobile, a division of Customers Bank.
All Rights Reserved. Member FDIC.

Your T‑Mobile MONEY account includes a debit card with EMV chip, plus it works with Apple Pay.

Easily transfer money to and from your external accounts for free. Send a check, pay bills, or direct deposit a portion or all of your paycheck to your account – all with just a few taps in your T‑Mobile MONEY app.

Access your money anytime with the app and enjoy 24/7 customer support.

Prevent unauthorized account access with multi-factor authentication. Log in with Touch ID and Face ID. Enable or disable your debit card remotely if it’s lost or stolen. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when fraud occurs.

*How APY works and what it means for you: As a T‑Mobile MONEY customer you earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account each calendar month when: 1) you are enrolled in a qualifying T‑Mobile wireless plan; 2) you have registered for perks with your T‑Mobile ID; and 3) you have deposited at least $200 in qualifying deposits to your Checking account within the current calendar month. Promotional deposits are not eligible toward the $200 in deposits. If you meet this deposit requirement in a given month we will pay you this benefit in the subsequent month as an added value provided all other requirements are met. This added value is subject to change. Balances above $3,000 in the Checking account earn 1.00% APY. The APY for this tier will range from 4.00% to 2.79% 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 1.00% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. APYs are accurate as of 11/1/18, but may change at any time at our discretion. Fees may reduce earnings. For more information, see Account Disclosures / Terms and Conditions or go to our FAQs.


Stop telling me my session is no longer valid

I check my account infrequently, so almost every time I do it is the same dance: Open app Wait Popup saying my session is invalid (it’s been hours, it should be invalid, no need for an announcement, much less making me click “OK” on it) Click “OK” Wait Login popup Fingerprint Wait Account info Other than that, it pretty much works. It would be nice to have a non App Store place to comment on bugs, but *meh*

Don’t expect a debit card

Guy on the phone said debit cards aren’t being mailed because of chip shortage. Thanks for telling me that 19 days after I opened the account. Seriously bad move there. Keep us in the loop next time? Kind of a big deal when you need a debit card to use this entire app.

Logging in is a pain in the butt.

I enter the right password, I know I do. I don't get drunk or high and do this type of thing where I'm out of my mind, but logging in and being told my password is wrong is an error on this app and they need to fix it. Every time I change my password I go through the same issues, getting locked out, being sent a code then it asks me stupid security questions that I KNOW I answer correctly but it tells me I'm wrong and locks me out AGAIN and I have to call them and get codes sent and then finally pick a password that I've never used before. Then I record the password in my very secure iPhone whatchamacallit like we all know how that works then I go to login again and guess what? I'm wrong and locked out again. I used to be mentally healthy before this now I'm just gonna spend all the money that's left in this account and close it.

Great Online Bank but…
Ash Hamilton

I really love banking with T-Mobile. The only drawback is that customers can’t link their account to the popular Mint budget tracker. That makes it hugely inconvenient. T-Mobile should consider implementing that feature, as most banks (online included) have that ability.

Simple and great UI
user for daily

Easy to use and simple UI to navigate around.

transfers take a lone time

i have chase bank and transferring money take a while to go through. it’s kind of inconvenient

Do not open an account with T-Mobile

Don’t even bother opening an account with these guys until they start supporting other services like PLAID to make transfers easier


One star for functionality. 2 for 50 dollar overdraft. Can’t use as a “main” account Bc it’s not on mint or plaid and that’s a problem. I really like t-mobile money, but I can’t always use it how I would need to.

Add a spouse?

How do you not allow an account holder to add a spouse? I want to use T-Mobile Bank as my primary bank but since I can’t add my spouse I will have to look elsewhere.

Nice job

Don’t really like it much in the first time used , but later on seems to be better and now after all is settled it’s nice and easy to used

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