T-Mobile MONEY: Better Banking 3.1.2

T-Mobile MONEY is a banking service that prioritizes you and your finances. It offers a number of benefits including no account or overdraft fees, industry-leading interest rates, and exclusive partner offers. With T-Mobile MONEY, you can also access your paycheck early through direct deposit, make payments without fees, and withdraw cash at over 55,000 Allpoint® ATMs without any additional charges.

• No credit checks, account fees, or minimum balances required.
• Set up direct deposit to receive your paycheck up to 2 days earlier.
• Earn competitive interest rates on both checking and savings account balances.
• Enjoy exclusive offers on dining and select travel experiences.
• Send instant fee-free payments to other MONEY customers.
• Access cash with no fees at over 55,000 Allpoint® ATMs.
• Use a personalized debit card for purchases or enable Apple Pay for mobile payments (availability may vary).
• Deposit checks using your phone or add cash at select merchants (third-party fees may apply).
• Pay bills by check or set up recurring transfers.
• Speak with T-Mobile MONEY specialists every day of the year, with support available in Spanish.

T-Mobile wireless customers can save $5 per eligible line with AutoPay, and all payments made to T-Mobile count towards qualifying for perks.

T-Mobile MONEY is powered by BMTX and accounts are provided by Customers Bank, Member FDIC. All Rights Reserved.

YOUR MONEY WORKS HARDER

With T-Mobile MONEY, everyone earns a competitive Annual Percentage Yield (APY) of 2.50% on both checking and savings account balances. Additionally, qualifying customers who register for perks and make at least 10 qualifying transactions per month can earn an APY of 4.00% on checking account balances up to $3,000, and 2.50% APY after that.

SAFE & SECURE

T-Mobile MONEY offers a range of features to ensure the safety and security of your finances. You can receive transaction and balance notifications, easily transfer money to and from external accounts, temporarily disable your debit card if lost or stolen, and prevent unauthorized account access through multi-factor authentication and biometric login. Deposits are FDIC-insured up to $250,000, and you are protected against fraud through Zero Liability Protection from Mastercard®.

Note: The location, availability, and hours of operation of Allpoint® ATMs may vary and are subject to change.

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

*The Annual Percentage Yield (APY) works as follows:

• Checking account customers earn 4.00% APY on balances up to $3,000 when enrolled in a qualifying T-Mobile or Metro plan, registered for perks with a T-Mobile ID, and have at least 10 qualifying transactions posted to their checking account before the last business day of the month. Transactions posted on or after the last business day of the month count toward the next month's qualifying transactions.
• When you fund your account for the first time with a deposit greater than $1 in a statement cycle, you'll receive 4.00% APY on balances up to $3,000 in that cycle, as well as in the following cycle, provided all other requirements are met.
• 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. Customers who do not meet the requirements for 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.
• Savings/Shared Savings account customers earn 2.50% APY on all account balances per month. A T-Mobile MONEY Checking account in good standing and funded is required to open any type of Savings account.
• APYs are accurate as of 12/01/22 but are subject to change at any time at our discretion. Fees may reduce earnings.

For further details and more information on qualifying transactions, please refer to the Terms & Conditions or FAQs.