T-Mobile MONEY: Better Banking 3.1.2

T-Mobile MONEY: Better Banking 3.1.2

T-Mobile  ❘ Freeware
Android iOS
out of 38386 votes
Latest Version
3.1.2
Safe to install

T-Mobile MONEY: A Game Changer in Mobile Banking

Elena Angelini

T-Mobile MONEY simplifies banking with zero monthly fees and innovative features, making it a top choice for T-Mobile customers looking for better financial management.
2025 Editor's Rating
EXCELLENT User Rating

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.

Overview

T-Mobile MONEY: Better Banking is a Freeware software in the category Business developed by T-Mobile.

The latest version of T-Mobile MONEY: Better Banking is 3.1.2, released on 09/02/2024. It was initially added to our database on 09/13/2023.

T-Mobile MONEY: Better Banking runs on the following operating systems: Android/iOS.

Users of T-Mobile MONEY: Better Banking gave it a rating of 5 out of 5 stars.

Pros

  • No monthly fees or minimum balance requirements.
  • Offers competitive interest rates on savings.
  • Convenient mobile app for banking tasks and management.
  • Access to free ATMs in T-Mobile's network and part of the Allpoint network.
  • T-Mobile customers can earn additional rewards and perks.
  • Instant transfers between T-Mobile Money accounts and Venmo or PayPal.
  • Integration with T-Mobile services for added benefits and convenience.

Cons

  • Limited physical branch availability compared to traditional banks.
  • Initial setup may require a T-Mobile phone number and account.
  • Fees on certain services such as wire transfers may apply.
  • ATM access may incur fees outside the network or Allpoint ATMs.
  • Some users report customer service challenges or wait times.
  • The app interface may not be as intuitive as some other banking apps.

FAQ

What is T-Mobile MONEY?

T-Mobile MONEY is a mobile banking service offered by T-Mobile that provides customers with a convenient way to manage their finances through a mobile app.

Is T-Mobile MONEY free to use?

Yes, T-Mobile MONEY does not charge monthly fees for maintaining an account, and there are no minimum balance requirements.

How can I open a T-Mobile MONEY account?

You can open a T-Mobile MONEY account by downloading the T-Mobile MONEY app from the Apple App Store or Google Play Store and following the sign-up process.

Are there any ATM fees with T-Mobile MONEY?

T-Mobile MONEY offers free access to thousands of ATMs nationwide with no withdrawal fees at over 90,000 locations.

Is my money safe with T-Mobile MONEY?

Yes, funds in your T-Mobile MONEY account are FDIC insured up to the applicable limits, providing coverage for deposits.

Can I earn interest on my T-Mobile MONEY account?

Yes, T-Mobile MONEY offers competitive interest rates on account balances, allowing you to earn interest on your deposits.

What features does the T-Mobile MONEY app have?

The T-Mobile MONEY app allows you to manage your balance, make transfers, pay bills, and access budgeting tools.

Do I need to be a T-Mobile customer to open an account?

No, you do not need to be a T-Mobile wireless customer; anyone can open a T-Mobile MONEY account.

How can I deposit money into my T-Mobile MONEY account?

You can deposit money into your account via direct deposit, mobile check deposits through the app, or transferring funds from another bank.

What if I have issues with my T-Mobile MONEY account?

For any issues, you can contact T-Mobile MONEY customer support through the app or their website for assistance.


Elena Angelini

Elena Angelini

I'm Elena, your go-to software reviewer at UpdateStar and tech enthusiast. Whether you're a user seeking the latest software titles or software news I've got you covered. When I'm not diving into the latest software, you can find me exploring nature trails, camping under the stars, or competing in online multiplayer games. My reviews are designed to be fun, engaging, and packed with all the details you need to make informed decisions.

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