Leave a Review T
Highly recommend this account!!!
Was a little skeptical when I first signed up but this account is awesome! The 4% APY is AWESOME, and it’s really easy to obtain! You get 4% on any money in your checking account up to $3,000 and 2.5% on any money above the $3,000 after 10 qualifying purchases for the month! I use my card like I would any normal debit card, for gas, lunch, coffee, Gatorade’s at the convenient store, etc., and I usually qualify for the 4% APY within 4-5 days, and get 4% on my money for the rest of the month! The good news is if I for some reason don’t reach the 10 qualifying purchases within the month (which has never happened), i still get the 2.5 % APY on all my money! Savings is a flat and constant 2.5% APY so that’s really awesome! I was also worried about having access to ATM’s that wouldn’t charge me for making a withdrawal and when I say there are ATM’s everywhere, there are ATM’s EVERYWHERE! It’s also fairly easy to deposit cash into your account if you don’t mind getting out of your car, which I don’t mind tracking those extra steps in my fitness app on my phone and watch 😂! Overall this is a great account to have! Tons of perks! Everything is made to be as convenient as possible, and I love earning money on the money that I worked so hard to earn!Show lessYella_boy
Developer Response
Woo hoo!! Thanks for being a T-Mobile MONEY customer! 🤩Surprising and Enjoyable
I’ll be honest, when I first saw T-Mobile Money, I just thought it was suspicious to have an account that offered interest like a money market account with no withdrawal limits, no service fees, no minimum balance, and generally deposits ACH’s 2 days early?
It all sounded too good to be true, but after dedicating to it and transferring over the bulk of my funds from other banks, I’ve thoroughly enjoyed this account and heavily recommend it to people!
Yes it’s a shame there’s no proper physical location for quick deposits and withdrawals, but I haven’t had any issues thus far using the alternative deposit methods.Show lessManic Fox
Love this account!
I reluctantly decided to start using T-Mobile Money for my new checking account and I was impressed when they immediately offered me the 4.0% APR but then after using my card for just 10 transactions I also unlocked the $50 Got Your Back overdraft coverage feature and I thought that it honestly wouldn’t work since I haven’t been offered overdraft service due to my credit score in a very long time but it worked for me and now it’s unlocked permanently! I don’t have to continue to make 10 purchases with my card every month, it was just automatically unlocked after the first 10! I love the app, easy to use and seems very secure to me! I will be sticking with T-Mobile Money!Show lessfdeedcteex💕🙄💕🙄
It’s a decent bank
Like honestly I’ve had issues with some banks like Chase is not that great so Wells Fargo sucked so I decided to try the T-Mobile money one being affected I have my T-Mobile account in order to be able to even do it I like the fact that it’s all digital like there’s no like real bank to do stuff at and the app works really well like their prompt there courteous their customer service is always been extremely helpful accidentally locked my Account and within the same day they were able to help me get back into it and everything is cool they’re very helpful they’re extremely friendly and I seriously can’t say more like I don’t think I’ll deal with any other bank as long as they’re a bank like they rock 4% interest on any amount in your account if you hit a certain amount of transactions to get your perk overdraft protection up to 50 bucks with no fee as long as you fix it by the end of that calendar month it’s awesome it’s so much better than everybody elseShow lessBunnyloveschucky
Developer Response
😭 This is why we created T-Mobile MONEY. 🥳If it sounds too good to be true…Avoid T Mobile!!
I had mediocre hopes here. I never believe anyone that claims I will be paid up to 2 days early. Frankly, I don’t care to be paid early. What I do care about is being paid on time. Yet here I am, up at 4am (5 hours later than normal) now trying to figure out where my money is. So not only is the 2 days early a lie, but being paid on time is also a lie.
Read the fine print here, and understand that the “365” service is a total lie! I now have to wait until 8am to speak to anyone that can help me. All the while, all of my auto payments will now bounce and have fines. After confirming with my company’s HR & payroll, the pay delay is 100% on T Mobile. While half my pay was in my Region account shortly after midnight, no one yet can seem to explain the missing check.
So warning for all, if you actually need your check on pay day, go elsewhere. It’s not only not coming early here, but it is coming late. I will not only be closing the bank account, but I will now also be taking all 3 of my lines to AT&T.
T Mobile is a scam of a company!Show lessAvoidTMobile
Don’t trust them to hold your money. They don’t even know where your money is!
I had disputed some unauthorized transactions on my account. The disputes were ruled in my favor. They credited my funds back to my account. Then, with no notice, they closed my accounts. They told me they mailed a paper check to the address on file. I could have easily moved my funds to another account. But, no warning. Money gone. It has now been 8 days. I’m still awaiting my paper check. No one knows anything. No one will give me any support. Do yourself a favor and do your banking with another company. These guys don’t even know who the actual bank is that holds their customers money. I could have had my money 8 days ago. Makes no sense. Digital banking app, … Paper check? 🤨Show lessBITWTJC
Why was I hesitant? If you can get this interest why would you not??
Discovered this and thought only the Mr. could get the accounts because the cell accounts are in his name. But with my T-Mobile family plan number I too was qualified for the higher interest offer. Even just the 1% interest is crazy - why would anyone with a T-Mobile cell leave their money in a traditional bank to rot away for .01%?? I don’t know why but I hesitated and stuck with my Wells Fargo and chase accounts. But WF started charging because my new employer only lets me have one direct deposit. After the first fee I immediately opened the T-Mobile and closed the WF. Now chase charged me for not have $325 in my savings (it’s all in T-Mobile getting actual interest) so I closed that garbage account too. I send money out of my T-Mobile accounts via the zelle app no problem (I did have to first remove my cell number from being associated with my Chase zelle, I just swapped it for my email as the chase zelle contact). I easily get 10 debits per month. If T-Mobile decides to get rid of this interest rate, I’ll probably bounce again. But for now I don’t know why I even hesitated as long as I did.Show lessYeeeaya!!
Developer Response
Wow. Glad you're both loving T-Mobile MONEY. We're sorry you hesitated too, but stoked you're here now!! 🧐Pretty Sure There’s Been a Data Breach
T-Mobile Money is a great app that’s easy to use, with lots of benefits. The only shortcoming I can think of is that it has potentially allowed my personal information to be gathered by hackers. I’m on week two of usage, with a considerable (for me) balance in my accounts, and I received multiple unprompted login codes for the app, followed almost immediately by a notification from the credit bureaus that my phone number has been found on the dark web. Naturally, I’ve changed the password, but it’s rather disappointing that it has seemingly taken no time at all to be hacked while using this service, the only thing that I have changed regarding sensitive info recently.
Hoping this isn’t the case, but if it is… I hope that T-Mobile’s cybersecurity gets a solid retooling.Show lessHiroshimaSpirit
Great account with some issues
It’s a great account for saving and purchases. However, the main caveat being mobile check deposit. So 225 is available the 2cnd business after deposit. However the remainder is only available after another 5 like it’s still the pony express going to physically clear the check. This is a quite long in todays banking world. Otherwise no issues but if you do even a few mobile check deposits keep this in mind. Also the system is very sensitive where it will reject a check if even the slightest mark is made on it and not perfect handwriting. Customer service can’t do anything about it, override or help with that. So you need a whole new checkShow lesscj4482
great service and app
their benefits are great! There’s no hidden fees and the interest-rate is great! I have both a savings and checking account with them and the interface of the app is easy to transfer between both. Their customer support is superior and I’ve always been helped with what I needed in a timely manner. Like I said the layout of the app is great, everything is user-friendly and organized well. They have lots of free ATMs around the country and this is a hassle and stress free banking service. I use this for almost all the financial parts of my life. couldn’t recommend more!Show lessCharleslive00
