T-Mobile MONEY: Better Banking

MONEY customers earn and save more with industry-leading interest and exclusive offers on select travel, dining, & more. T-Mobile MONEY puts you & your money first, with no account or overdraft fees, high-yield interest & exclusive partner offers. Get your paycheck early with direct deposit⁺ and withdraw cash at 55k+ no-fee Allpoint® ATMs.^ Download the app & start banking better today!

• No account or overdraft fees. No minimum balances.
• Set up direct deposit to receive your paycheck up to 2 days sooner⁺
• Withdraw cash at 55k no-fee AllPoint® ATMs^
• Make purchases with a personalized debit card, or enable Apple Pay (not available in all markets) for mobile payments
• Deposit checks on your phone or add cash at select merchants (third-party fees may apply)
• Pay bills: pay by check or set up recurring transfers
• Bilingual support 365 days/year. También ofrecemos ayuda en Español.
• T-Mobile wireless customers can save $5 per eligible line (up to 8 lines) with AutoPay. Plus, all payments made to T-Mobile count towards perks qualifying transactions.

T-Mobile MONEY digital platform is powered by BMTX. Banking services are provided by Coastal Community Bank, Member FDIC. All Rights Reserved.

YOUR MONEY WORKS HARDER
Everyone earns 2.50% Annual Percentage Yield (APY)* on all checking & savings account balances. Plus, qualifying customers who register for perks & make at least 10 qualifying transactions per month can earn 4.00% APY* on checking account balances up to $3,000 & 2.50% APY after that.

SAFE & SECURE
Stay connected to your money with transaction & balance notifications. Easily transfer money to & from external accounts. Temporarily disable your debit card from your phone or browser if lost or stolen.

Help prevent unauthorized account access with multi-factor authentication & with biometric login. Plus, with Zero Liability Protection from Mastercard® you're protected if fraud occurs.

^The location, availability, & hours of operation of Allpoint® ATMs may vary by merchant & is subject to change.

⁺Subject to description & timing of the employer payroll-based direct deposit.

*How APY works: Checking account customers earn 4.00% annual percentage yield (APY) on balances up to & including $3,000 in your Checking account per month when: 1) you are enrolled in a qualifying T-Mobile or Metro plan; 2) you have registered for perks with your T-Mobile ID; & 3) at least 10 qualifying transactions have posted to your Checking account before the last business day of the month. Qualifying transactions posting on/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 added value, you’ll receive 4.00% APY on balances up to/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 don’t meet the requirements listed above. Savings/Shared Savings account customers earn 2.50% APY on all account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing & funded to open any type of Savings account. APYs are accurate as of 4/1/25 but may change at any time at our discretion. Fees may reduce earnings.

T-Mobile is not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.

For all of the above items as well as qualifying transactions, see Terms and Conditions or FAQs.