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Powered by Bmtx. Banking services provided by Coastal Community Bank, Member FDIC.

Save on your T-Mobile or Metro wireless bill when you set up AutoPay with your MONEY account. Learn more.

Better online banking with T-Mobile MONEY.

Open your online checking account in minutes and get access to over 55,000 no- fee ATMs1 and zero account fees. Plus, get your paycheck up to two days early with direct deposit2 and send money to other T-Mobile MONEY customers instantly with no fees.

T-Mobile MONEY debit card overlaying a phone. The T-Mobile MONEY app displays on phone screen.

Take your money further.

No overdraft fees, no account fees, and 55,000+ no-fee ATMs1.

t-money no fees icon

Get paid up to two days early with payroll direct deposit.2

Circle around the word 'fees' with a line through it to symbolize 'no fees.'

With Got Your Back3, we'll spot you up to $50 if you overdraft.

Illustration of paper money with a magenta dollar sign and hearts.

All customers earn 2.50% Annual Percentage Yield (APY)* on all balances. Qualifying customers can earn up to 4.00% APY* on checking balances.

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Save on your T-Mobile or Metro wireless bill when you set up AutoPay with your MONEY account. Another great way to earn perks!

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Instantly send money to other T-Mobile MONEY customers with no payment fees.

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MAXIMIZE SAVINGS

Save on your wireless bill and earn perks.

Use your 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.) Plus, if you qualify for perks, it counts towards your 10 qualifying transactions.

BANK YOUR WAY

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® ATMs. And you can instantly send money to other T‑Mobile MONEY customers with no payment fees.

Check out how we compare
SPECIAL OFFERS

MONEY customers save more.

With a 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 account interest rates—higher than the national average†—with T-Mobile MONEY.

Bar chart shows 4% APY and 2.25% APY available to T-Mobile MONEY customers compared to U.S. average checking account rate of just .13% APY.

All T-Mobile MONEY customers earn 2.50% APY* on all checking and savings balances. Customers with a qualifying T-Mobile or Metro by T-Mobile plan can earn 4.00% APY* on balances up to $3,000 and 2.50% APY after that in their T-Mobile MONEY checking account by registering for perks and making at least 10 qualifying transactions per month. Checking account that is in good standing and has been funded is required to open any type of savings account.

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† Based on information provided by the  as of 2/18/25

We put you and your money first.

True NameTM by Mastercard.

T‑Mobile MONEY respects the name you identify with—display it proudly on a debit card you can trust. 

The T-Mobile MONEY True Name feature displayed on smart phone screen.

Bilingual support.

You can get help from a T-Mobile MONEY Specialist every day of the year.

T-Mobile MONEY Specialists do not provide financial, tax, or investment advice.
The T-Mobile MONEY bilingual support feature displayed on smart phone screen

Zero Liability Protection.

You won’t be held responsible for unauthorized transactions. If you suspect fraud, simply disable your card.

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The T-Mobile MONEY zero liability feature displayed on smart phone screen.

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: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying T-Mobile or Metro by T-Mobile plan who have registered for perks. Got Your Back will begin once at least 10 qualifying transactions have posted to your Checking account before the last business day of the month. You are only required to meet this transaction requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details

* How APY works: Checking account customers earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account per month when: 1) you are enrolled in a qualifying T-Mobile or Metro by T-Mobile plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying transactions have posted to your Checking account before the last business day of the month. qualifying transactions posting on or 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 additional added value, you will receive 4.00% APY on balances up to and 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 do not meet the requirements listed above. Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. You must have a T‑Mobile MONEY Checking account that is in good standing and has been funded to open any type of Savings account. APYs are accurate as of 2/18/25 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.

†Based on information provided by the  as of 2/18/25

Mastercard is a registered trademark, and the circles design and True Name are trademarks of Mastercard International Incorporated.

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