*How APY works: T-Mobile Money customers will earn 4.00% annual percentage yield (APY) on the first $3,000 in your Checking account, when you make payroll-based direct deposits totaling $200 in your Checking account every month. These added value benefits are subject to change. Balances above $3,000 in the Checking account earn 2.50% APY. If you do not qualify for the 4.00% APY, you will earn 2.50% APY on all Checking account balances for any month(s) in which they do not meet the requirement listed above.
Savings account customers earn 2.50% annual percentage yield (APY) on all Savings and Shared Savings account balances per month. APYs are accurate as of 10/20/2025 but may change at any time at our discretion. Fees may reduce earnings.
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: Got Your Back will be available for Checking account customers with payroll-based direct deposit of at least $200 every 31 days. Available only for Checking account customers with payroll-based direct deposit of at least $200 every 31 days. Each day, we look at the total amount you’ve deposited into your checking account over the past 31 days. Once the deposit total hits $200 or more, Got Your Back turns on the next day. If the 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.
For current terms and conditions, see Account Disclosures / Terms and Conditions.
Mastercard is a registered trademark, and the circles design and True Name are trademarks of Mastercard International Incorporated.
T-Mobile Money accounts are provided by Coastal Community Bank, Member FDIC. T-Mobile is not a bank. 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.
