Enjoy better online banking with T-Mobile Money.
Managing your
Enjoy better online banking with
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
With Got Your Back,3 we'll spot you up to $50 if you overdraft.
Earn 4.00% Annual Percentage Yield (APY)* on checking account balances up to $3,000 and 2.50% APY on all balances after that.
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!
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
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
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
*
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. 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 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 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.
For current terms and conditions, see Account Disclosures / Terms and Conditions.
†Based on information provided by the FDIC as of 03/16/2026.
