1. The location, availability, and hours of operation of Allpoint® ATMs may vary by merchant and is subject to change. ⁺Subject to description and timing of the employer payroll-based direct deposit. *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 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.
2. Plus, qualifying customers who register for perks and make at least 10 qualifying transactions per month can earn 4. 00% APY* on checking account balances up to $3,000 and 2. 50% APY after that.
3. Accounts provided by Customers Bank, Member FDIC. All Rights Reserved. Everyone earns 2. 50% Annual Percentage Yield (APY)* on all checking and savings account balances.
4. Get your paycheck early with direct deposit* and withdraw cash at 55k+ no-fee Allpoint® ATMs. • No account or overdraft fees. No minimum balances. • Enjoy exclusive offers on dining, select travel, and more! • Bilingual support 365 days/year.
5. 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 don’t meet the requirements listed above.
6. The first time you fund your account, as an added value, you’ll receive 4. 00% APY on balances up to/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.
7. You must have a T-Mobile MONEY Checking account that is in good standing and funded to open any type of Savings account.
8. Savings/Shared Savings account customers earn 2. 50% APY on all account balances per month.
9. T-Mobile MONEY puts you & your money first, with no account or overdraft fees, high-yield interest & exclusive partner offers.
10. Balances above $3,000 in the Checking account earn 2. 50% APY.
11. Qualifying transactions posting on/after the last business day of the month count toward the next month’s qualifying transactions.
1. Obtaining a checking account that is covered by FDIC was difficult but I've been able to use this to pay off my negative balance with my credit union, pay bills, make transfers and even send personal checks through their bill pay service.
2. Also the ability to sort/search/filter account activity would make it better as a primary banking app.It's been easy to use thus far and has been a great second chance account after being less than responsible with my previous financial institution.
3. I guess it can be a positive but it is annoying to be blocked when you need to be in a hurry.The app itself gets a 4-star rating for simplicity and ease of navigation but the account is where the problem lies.
4. I'm just sad I can't open a second checking account with them.Updating my review to reflect the recent change to the requirements to keep the 4% interest rate.
5. This account doesn't show up on any credit reports nor is it compatible with any of the apps that let you track all of your accounts in 1 place like Dave, Credit Karma or any others.
6. I virtually never any problems with apps on my phone!!! I have to access the account from my laptop insteadSuper Laggy and not intuitive.
7. It's overly complicated for a banking app and it's the biggest pain using this account.As a loyal customer, I've enjoyed T-Mobile's progress over the last several years.
8. However, it has been nearly a month now and my account still has not been set up and I cannot access the app due to a connection issue.
9. The problem is when I need to know what is on the account, it takes a long time.5 stars for the account itself, 2 stars for the app.
10. I have all my settings set to where i get a push notifications for EVERYTHING, yet i get none.. Otherwise its easy to use, and great."SUCKS!!!" ...I'm assuming everyone gets the two-step verification process.
11. Like some others, I'm still not getting push and email notifications for spending, even though I've doubled checked that the settings are on and my phone permissions are set.
I made this account and I am ready to have it deleted now