Get paid up to 2 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 2 days earlier than scheduled. For more information, see Account Disclosures / Terms and Conditions or go to our FAQs. APYs are accurate as of but may change at any time at our discretion.

Customers who do not qualify for the 4.00% APY will earn 1.00% APY on all Checking Account balances for any month(s) in which they do not meet the requirements listed above. The APY for this tier will range from 4.00% to 2.79% depending on the balance in the account (calculation based on a $5,000 average daily balance). Balances above $3,000 in the Checking Account earn 1.00% APY. These added value benefits are subject to change. As an additional added value for customers that haven’t yet deposited money into their T-Mobile MONEY account, you will receive 4.00% APY in the 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. If you meet this purchase requirement in a given month, we will pay you this benefit in the subsequent month as an added value provided all other requirements are met. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases.

How APY works: As a T-Mobile MONEY customer you 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 postpaid wireless plan 2) you have registered for perks with your T-Mobile ID and 3) at least 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking Account before the last business day of the month.

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