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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.

1. Fix T- Not Working/Crashes/Errors/Unresponsive & Black/White screen:

1. Restart T-: Restarting the app will resolve most errors.
2. Update the T- App. Here is how:
   1. On Android goto PlayStore » Search for "T-" » Open T-Mobile MONEY: Better Banking » click "Update".
   2. On iPhone, goto AppStore » Your profile » Available Updates » Check for T- » click "UPDATE".
3. Clear T-Mobile MONEY: Better Banking app cache: Clearing cached data will force your app to retrieve the latest data directly from T- servers.
   1. On Android, goto Settings » Apps » Select "T-Mobile MONEY: Better Banking" » click Storage » click "Clear Cache".
4. Check T- app permissions. If any of these permissions required to use your device's features are disenabled, T- might not work.
5. Uninstall and reinstall T-. If nothing else has worked, completely uninstall T- then reinstall.
6. Restart your device. Last, restarting your device can often clear most problems causing T- not working

2. Fix T- Server issues & Internet Connection

1. Check network connection: An unstable Internet will make T- be unable to connect to it's servers. Ensure your wi-fi is working then restart app.
2. Disable VPN: VPN can cause connection errors and lead to T- not working. Make sure all VPNs are off
3. Enable background data: When Background data is turned off, T- may not be able to connect to the Internet when running in the background.