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Cash app atm withdrawal limit


cash app atm withdrawal limit

How do I make a withdrawal from my Online Savings Account? Is there a daily ATM withdrawal limit with my Ally Debit Mastercard? How to increase your Cash App limit Per Daily? Unverified Cash App Account limits; How to See your limits in your Cash App: Final Thoughts; FAQs. At Bank of Luxemburg, a Wisconsin-based bank, the default limit for customers to make cash withdrawals at ATMs is $300.

Cash app atm withdrawal limit -

Cash App review

What is Cash App?

Cash App is a peer-to-peer digital payment app backed by Square that allows you to send and receive money through your bank account using your debit card. Cash App is often used to pay friends or family — for instance, after getting dinner together or splitting the cost of a trip.

Your Cash App account comes with a Visa debit card — called a Cash App Cash Card — that you can use to pay for goods and services in the US from your Cash App balance without involving your bank account or personal credit card.

How does Cash App work?

Cash App works by sending money from your bank account to your recipient’s Cash App balance. You can pay someone through Cash App using their phone number or email, and they’ll be sent a link to claim the payment if they aren’t a Cash App user.

Some unique things to know about Cash App:

  • You must be 18 or older to open an account.
  • You can receive direct deposit payments to your Cash App balance.
  • Your $Cashtag is your unique way to receive payments.
  • All money received through Cash App will be stored in your balance until you withdraw it.

Compare Cash App to other domestic money transfer services to see which is best for you.

Why should I use Cash App?

  • Makes paying friends and family straightforward. Whether you’re splitting dinner or paying your brother back for a tuxedo rental, Cash App makes moving money a breeze.
  • Buy/sell Bitcoin and stocks. Cash App lets you buy and sell stocks and Bitcoin directly from the app.
  • No fees. Using Cash Apps standard service can be done for free, but certain features like expedited withdrawal may cost extra.

What should I watch out for with Cash App?

  • US only. You can’t use Cash App to send money abroad, even if Cash App is available in the country you’re trying to send to.
  • Low limits. Your sending limits will be capped until you verify your account by providing identification.
  • No sending protection. Cash App is intended for personal transfers to people you know, so treat Cash App payments like sending cash.

How to use Cash App

There are multiple things you can do with Cash App, including sending and receiving money, buying and selling Bitcoin, accepting direct deposits and adding funds to spend on your Cash App card. Before you can do any of these, you’ll need to create your Cash App account by downloading the app and creating an account.

How to send money on Cash App

  1. Open your Cash App mobile app
  2. Enter amount to send, tap Pay.
  3. Enter name, $Cashtag, phone number or email of recipient.
  4. Add reason for payment (emojis allowed).
  5. Tap Pay to send money.

How to add money to Cash App card

  1. Navigate to the banking section in the app.
  2. Tap Add Cash.
  3. Choose an amount to add.
  4. Tap Add.
  5. Use your PIN or Touch ID to confirm payment.

How to set up direct deposit in Cash App

  1. Navigate to the banking section in the app.
  2. Tap Deposits & Transfers.
  3. Tap Enable Direct Deposit to turn your direct deposit account on.
  4. Order your free Cash App card to enable direct deposit.
  5. Use the direct deposit information displayed to receive direct deposit payments.

How to buy stocks or Bitcoin on Cash App

  1. Navigate to the stock page in the app.
  2. Search for the stock you want to buy, or select Bitcoin.
  3. Select the frequency of your purchase and how much you’d like to buy.
  4. Verify your name and identity if you haven’t already done so.
  5. Tap Buy to complete your order.

For more information on buying stocks or Bitcoin, see our full review of Cash App’s investing features.

Cash App limits

A new Cash App account is limited to sending $250 per week, but identity verification can quickly lift this:

Non-verified accounts

  • Send: $250/week
  • Receive: $1,000/month

Verified accounts

  • Send: $2,500/week
  • Receive: Unlimited

You must verify your identity to increase your transaction limits. You must be at least 18 years old to become verified with your full name, date of birth and the last four digits of your SSN. If Cash App can’t verify your ID, it might require additional information.

Check out other alternatives for sending money online

Cash App fees

Cash App charges a 3% fee when paying by credit card and a 1.5% fee for instant transfers. Cash app fees can often be avoided by choosing the slower option and by never paying by credit card. Some fees, like ATM charges, will be reimbursed — up to 3 times per month and up to $7 per withdrawal — if you receive at least $300 in direct deposits to your Cash App account each month.

Instant withdrawal1.50%
Standard withdrawalFree
ATM withdrawal$2 (reimbursable)
Pay by credit card3.00%
Pay by debit cardFree
Pay by bank accountFree
Buy/sell Bitcoin1.75% (estimated)
Buy/sell stocksFree

Fees accurate as of September 30, 2020.

ATMs and your Cash Card

If you’ve signed up for the Cash App Cash Card, which is free, you can withdraw money from your Cash App balance through ATMs. Cash App will charge you for using ATMs, by default, and the ATM may also charge you additional fees. Before using your Cash Card at an ATM, keep in mind that:

  • Limits apply – A max of $310 per transaction and $1,000 per 7-day period can be withdrawn.
  • You can avoid fees – Up to 3 ATM withdrawals per 31 days will be reimbursed if you receive paycheck direct deposits to your Cash App account that total more than $300 per month.
  • There’s a cap on reimbursement – A maximum of $7 will be reimbursed per withdrawal, meaning a cap of $21 per 31-day period will be reimbursed.

Cash App reviews and complaints

Cash App has a poor rating on Trustpilot, ranking in at 1.2 out of 5 stars with 2,144 customer reviews. Many of the reviews discuss fraudulent transactions, a struggle to verify accounts and poor customer service. However, given that Cash App is primarily a mobile app, it might be worth taking into account the high ratings that Cash App has on both Google Play and the App Store.

Google Play Store4.2 out of 5 — based on 245,450 customer reviews
Apple App Store4.5 out of 5 — based on 400,300 customer reviews

Forums like Reddit are more positive in their Cash App feedback, but not entirely. Recent complaints include lacking customer support, declined transactions with limited details and sudden closures of Cash App accounts — one while waiting for a Bitcoin transaction.

Is Cash App safe?

Cash App is owned by Square, a financial payments company that was launched in 2009 by Jack Dorsey, Twitter’s Co-founder. Cash App is PCI Data Security Standard Level 1 compliant, which is the highest level of data compliance in the payment industry. Additionally:

  • Cash App encrypts all financial transactions.
  • Encourages you to protect your account with 2-factor authentication and biometrics.
  • Monitors accounts for fraudulent activity.
  • Handles millions of transactions a year.

However, your account is only as safe as you allow it to be. Never give out your password, open any suspicious Cash App related emails or send money through Cash App to people you don’t know.

Bottom line

If you’re looking for a simple peer-to-peer payment app with no debit card fees, Cash App is worth considering. But with opaque fees, a focus on Bitcoin and multiple customer complaints, you may want to compare top mobile payment apps first.

And if you need to send money for business, rather than to friends and family, you’ll want to compare other Square products.

Frequently asked questions

What happens if someone sends me money and I don’t have the Cash App?

You can retrieve your money without it. After you receive a text or an email from the app, you’re asked to enter a bank account or debit card information to receive your deposit.

How long does the Cash App take to deposit into a bank account?

It depends on the option you choose for delivery:

  • Standard. Up to three business days.
  • Instant. Nearly immediately with a fee equal to 1.5% of your transaction.

Only use Instant transfers when you’re willing to pay the fee.

How do I change the email or phone number on my Cash App account?

To change the email or phone number on your account:

  1. Tap the profile icon from the Cash App home screen.
  2. Tap Personal.
  3. Tap the phone number or email you want to change.
  4. Tap Add Phone or Email to enter a new email or number.

Your account can be linked to multiple emails and phone numbers at once.

How do I change my PIN?

To change your Cash App PIN, you’ll need to first open the app:

  1. Tap the profile icon from the Cash App home screen.
  2. Tap Privacy & Security, which should be the second option.
  3. Look for Change Cash PIN under the Security section. You’ll need to scan your finger or face to verify your identity, if you’ve already set a PIN.
  4. Confirm your new PIN by entering it a second time.

Can I refund a payment?

Yes. Tap the payment you want to refund, select Refund and tap OK.

Are Cash App and Snapchat linked?

Yes. Snapchat’s payment system, Snapcash, is also powered by Square. Add your debit card information to your Snapchat, open a private message to a friend, type in a dollar amount and Snapchat recognizes that you’re trying to send or request money. The rest of the process works like Cash App.

Compare other services that send money within the US

Domestic transfers are usually free. Compare services that offer these types of transfers to send money within the US.

Data updated regularly

Источник: https://www.finder.com/square-cash

How to find an ATM location

current-bank-parent-teen-banking-sign-up

Open your Current app.

ATM2

Go to the money tab.

ATM4

Find a fee-free Allpoint ATM near you.

Customer Reviews

Google Play icon5 stars icon

"I love Current!! Its very easy to use, you can deposit money at almost any gas station, Walgreens, CVS and the BEST part about it the money shows up instantly. You can withdraw money at ATM's everywhere. Plus alot of cash back rewards"

Google Play icon5 stars icon

"Dependable account. Free ATM. Get paid on Wednesday instead of Friday. I can pause the card when not using. I can block popular brands if I need to."

App Store icon5 stars icon

"Current bank: Current is the best banking service I’ve had so far!!!"

recommended by press
Источник: https://current.com/free-atm-withdrawals/

Apple Cash and person to person payments limits

Here are the limits associated with using Apple Cash and person to person payments.

Money symbol

 

Apple Cash balance limit

The maximum Apple Cash balance you're allowed to have after verifying your identity is $20,000.1,2

If you're part of Apple Cash Family, the maximum Apple Cash balance you're allowed to have is $4,000.

 

Debit or prepaid card symbol

 

Adding money from a debit card or prepaid card

You can only add money from a supported United States debit card or prepaid card that's in Apple Pay.3 Here are the limits:

  • Per transaction, you can add a minimum of $10.
  • Per transaction, you can add up to $10,000.
  • Within a 7-day period, you can add a maximum of $10,000. 

You might also be limited by the available balance on your debit or prepaid card or limits from your bank or card issuer.

If you're part of Apple Cash Family

  • Per transaction, you can add a minimum of $10.
  • Per transaction, you can add up to $2,000.
  • Within a 7-day period, you can add a maximum of $2,000.

 

Send symbol

 

Sending or receiving limits

  • Per message, you can send or receive a minimum of $1.
  • Per message, you can send or receive up to $10,000.
  • Within a 7-day period, you can send or receive a maximum of $10,000.

You might also be limited by the available balance on your debit or prepaid card or limits from your bank or card issuer.

If you're part of Apple Cash Family

  • Per message, you can send or receive a minimum of $1.
  • Per message, you can send or receive up to $2,000.
  • Within a 7-day period, you can send or receive a maximum of $2,000.

 

Bank money transfer symbol

 

Transferring money to your debit card or bank account

  • You can transfer a minimum of $1 to your debit card or bank account, or your full balance if it's under $1.
  • You can transfer up to $10,000 to your debit card or bank account in a single transfer.
  • Within a 7-day period, you can transfer up to $20,000 to your debit card or bank account.
  • For Instant Transfer, a 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each transfer.
  • With Instant Transfer, limits don't include fees.

To transfer money to your debit card, you must have an eligible debit card in the Wallet app.

If you're part of Apple Cash Family

  • You can transfer a minimum of $1 to your debit card or bank account, or your full balance if it's under $1.
  • You can transfer up to $2,000 to your debit card or bank account in a single transfer.
  • Within a 7-day period, you can transfer up to $4,000 to your debit card or bank account.
  • For Instant Transfer, a 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each transfer.
  • With Instant Transfer, limits don't include fees.

To have an eligible U.S. debit card or prepaid card in the Wallet app, you must be at least 13 years old. To transfer money to or from an eligible debit card and use Instant Transfer, you must also be at least 13 years old.

  1. Green Dot Bank will notify you as required by applicable law if these limits decrease. However, please note that Green Dot Bank may lower these limits, impose additional limits, or cancel, delay, or block a transaction without prior notice for security reasons or as otherwise described in the Terms and Conditions.
  2. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  3. Not all prepaid cards may be eligible to use with this feature.

Published Date: 

Источник: https://support.apple.com/en-us/HT207884

Can Cash App Card Be Used At ATM?

Can Cash App Card be used at ATM? The answer to that is ‘yes’. You can now use the Cash App Visa debit card to access money at an ATM machine. When using your card to withdraw funds, you can access the money in your Cash App account and not a bank account.

Create a Cash App account and get $5 for Free

Now, in addition to using the Cash App Card to make payments, it is possible to withdraw cash from an ATM.

With the ATM access, you no longer need to transfer money from the Cash App to your Bank account in order to make withdrawals. Now you don’t have to wait for at least a day to make a deposit from Cash App to a bank account. You can simply slot your Cash App into an ATM machine to make a withdrawal.

Can Cash App Card Be Used at ATM

To withdraw money from an ATM, you will not have to pay any additional charges to Square. It is all free of charge. However, you could be charged ATM withdrawal fees depending on the organization to which the machine belongs. This is similar to the charges made when you make ATM withdrawals using a debit card.

You can only be able to complete the ATM cash withdrawal process by keying in the PIN provided together with the Cash App card.

This service provides a high level of flexibility, given the freedom to access just about any ATM machine. There is no restriction concerning the types of ATM machines you can withdraw your money from.

“When using your Cash Card to withdraw funds, the maximum amount that can be withdrawn at an ATM is $250.00 per transaction, $250.00 per 24 hour period, $1,000.00 per week, and $1,250.00 per month.”

Create a Cash App account and get $5 for Free

Why Is Cash App Card Being Used For ATM Withdrawals?

While Cash App has been growing in popularity as a mobile payment app, the procedure of having to deposit money to a bank account before you can withdraw is cumbersome. That’s the major reason for the introduction of the ATM withdrawal feature. This has been made possible by the following:

While the popularity of bank branches has been on a downward trend, ATM machines remain very popular. A majority of people prefer to use the ATM to make their withdrawals. In the US alone, over 61 percent of financial services customers withdraw their money from ATMs monthly. It doesn’t really matter how old or young one is. In some financial institutions, ATM interactions have been on the rise over the years.

Cash App expects the ATM withdrawal feature to draw in some people who are yet to be reached. Most of the adults who haven’t been roped into the mainstream banking sector in the US have been using Cash App for a while now. It makes sense that this huge demographic can be brought into the mainstream through the introduction of the Cash App Card ATM withdrawal feature.

See Also:How Secure is Cash App (Square Cash)?

If you haven’t started using Cash App, this new feature should be reason enough for you to start using it now. As more service providers enter the P2P payment ecosystem, Cash App is seeking to maintain a competitive edge on the entire industry. This is good for you as a Cash App user, as well as the company itself. With the ATM feature, things can only get brighter.

Create a Cash App account and get $5 for Free

Источник: https://creditcardsactivation.com/can-cash-app-card-be-used-at-atm/

How to increase your Cash App transaction limit by verifying your account

Square Cash App
Square
  • You can increase your Cash App transaction limit by verifying your account in the app. 
  • A basic Cash App account has a weekly $250 sending limit and a monthly $1,000 receiving limit. 
  • If you go through a verification process, your account can be upgraded to a send limit of $7,500 per week and an unlimited receiving limit.
  • Increasing your Cash App limit requires you to submit your full legal name, the last four numbers of your social security number, and your date of birth.
  • Visit Business Insider's homepage for more stories.

Cash App makes sending and receiving money super easy, but in the scheme of things a basic Cash App account doesn't let you pay out or receive enough money to be of much consequence. 

Sure, $250 is a decent amount of change, but that's also the maximum you can send per week without verifying your account, and as for receiving money, you're limited to $1,000 a month without verification. 

So, the Cash App isn't exactly going to serve as a way for, say, a gig economy worker to receive their pay, unless they verify their account.

How to increase your Cash App limit

If you want to upgrade your basic, non-verified Cash App account and increase your limits, you can easily do so in the app.  

To increase your Cash App limit, just try to surpass it. 

How to increase Cash App limit
Steven John/Business Insider

When you try to send more than $250 in a week or receive payments of more than $1,000, the app will automatically prompt you to enter the information needed to verify your account; this will likely include your full legal name, the last four numbers of your social security number, and your date of birth.

After you apply for verification, Cash App should award you greater transaction limits. According to the company's terms of service, verified users can send up to $7,500 per week and receive an unlimited amount.

Related coverage from How To Do Everything: Tech:

Steven John

Freelance Writer

More:Tech How Tocash appSquareBI-freelancer

For you

Источник: https://www.businessinsider.com/how-to-increase-cash-app-limit

ATM Locations for Emerald Card®

ATM Locations for H&R Block Emerald Prepaid Mastercard®


Your H&R Block Emerald Card® can be used to withdraw cash at any ATM that displays a Mastercard, Maestro, or Cirrus brand mark. Please note that some ATM owners assess a surcharge for use of their ATM. The surcharge is in addition to the $3.00 per withdrawal fee assessed by MetaBank® for ATM withdrawals. Consult your Emerald Card Cardholder Agreement for more information.

  • mastercard logo
  • maestro logo
  • cirrus logo

H&R Block Emerald Prepaid Mastercard® is issued by MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2020 HRB Tax Group, Inc.

Источник: https://www.hrblock.com/financial-services/atm-locations.html

Bilingual support 365 days/year

  • Is it safe to use payment machines that do not accept an EMV chip?

    FAQ & Support

    Swipe terminals can be risker than EMV chip terminals. We recommend that you select "debit" and use your PIN in swipe-only situations, which is a safer authentication process than swiping and signing. 

  • Are T-Mobile MONEY accounts FDIC-insured?

    FAQ & Support

    Yes. T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • Are there really no fees charged by T-Mobile MONEY?

    FAQ & Support

    Yes! There are no monthly fees, no overdraft fees, no transfer fees, no fees at 55,000+ in-network Allpoint® ATMs worldwide, no T-Mobile MONEY out-of-network fees—all with no minimum balance requirements. 

    Customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

  • Can I use my T-Mobile MONEY card while traveling internationally?

    FAQ & Support

    Yes, you can use your T-Mobile MONEY debit card outside of the United States and Puerto Rico wherever Mastercard® is accepted. 

    Customers will not incur fees at 55,000+ in-network Allpoint® ATMs worldwide. However, customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

    For assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Does T-Mobile MONEY rebate ATM fees?

    FAQ & Support

    If you use an out-of-network ATM, we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

    We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

  • How secure is the T-Mobile MONEY app and website?

    FAQ & Support

    In short, VERY secure. Security is T-Mobile MONEY's top priority. We use both state-of-the art technology and best practices to protect your information and account. Both the T-Mobile MONEY mobile app and web app, as well as the T-Mobile MONEY website, have built-in security measures such as strong login/password authentication and encryption technology for all communications.

    Here are some of the features that T-Mobile MONEY provides to help secure our customers’ personal information and money:

    T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

  • Will I get charged for using an ATM that isn't Allpoint®?

    FAQ & Support

    ATMs outside of the Allpoint Network will charge varied fees. T-Mobile MONEY will not charge you a fee, but ATM owners may charge a fee based on location and bank provider. You can find one of the over 55,000 no-fee ATMs worldwide in the Allpoint ATM Network here.

  • Are international ATMs free?

    FAQ & Support

    T-Mobile MONEY will not charge a fee, but international ATM owners may charge their own fees along with the network, like Mastercard®, who may add additional charges for currency conversion.

    We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

  • Are T-Mobile MONEY debit cards associated with Mastercard or Visa?

    FAQ & Support

    T-Mobile MONEY debit cards are associated with Mastercard. They are issued and administered by Customers Bank, pursuant to license from Mastercard International Incorporated. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

  • Can anyone sign up for a T-Mobile MONEY account?

    FAQ & Support

    As long as you meet the requirements, you can sign up for a T-Mobile MONEY account! 

    To sign up for an account you must:

    - Be of legal age 

    - Have a US government-issued ID or state-issued driver's license/ID

    - Have a Social Security Number

    - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

    To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Can I link foreign bank accounts to T-Mobile MONEY?

    FAQ & Support

    No, you can only link US-based bank accounts, which have a US ABA routing number, to T-Mobile MONEY. 

  • Can I open a joint account with T-Mobile MONEY?

    FAQ & Support

    Joint accounts are currently unavailable. Only one account may be opened per person.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Can I open multiple accounts with T-Mobile MONEY?

    FAQ & Support

    Multiple accounts are currently unavailable. Only one account may be opened per person.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Does earning interest with T-Mobile MONEY have an effect on my taxes, and will I be sent a 1099 form?

    FAQ & Support

    Yes, all customers who earn $10 or more in interest will be sent a 1099-INT form. We will send you all of the tax forms you'll need by the end of January.

  • Does T-Mobile MONEY offer a savings account?

    FAQ & Support

    While we do not offer a savings account at this time, the T-Mobile MONEY Checking account has a high interest rate that can help you save more than you would with a traditional savings account. Learn more!

  • Does T-Mobile MONEY run a credit check or help build my credit score?

    FAQ & Support

    T-Mobile MONEY reserves the right to run credit checks on applicants and existing customers. For more information, please refer to the Account Terms and Conditions. Failing to maintain your account, including but not limited to keeping a negative balance, repeated overdrafts, and other factors could impact your credit score negatively. Under the guidelines of the PATRIOT Act, all banks are required to verify the identity of new customers. To comply, BM Technologies (BMTX), may request certain personally identifying information (PII) including but not limited to, validating your name, address, date of birth and SSN.

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T-Mobile MONEY account will qualify.

  • How can I contact T-Mobile MONEY?

    FAQ & Support

    You can call a T-Mobile MONEY Specialist for bilingual support 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • How do I activate my T-Mobile MONEY debit card?

    FAQ & Support

    Once you receive your T-Mobile MONEY debit card in the mail, you will need to activate it using your T-Mobile MONEY mobile app or web app before you can start using it at an ATM or to make a purchase. To activate your card, simply log in to T-Mobile MONEY, go to 'My card' and follow the prompts—it's that easy.

  • How do I find a free, in-network ATM?

    FAQ & Support

    We have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here and in your T-Mobile MONEY app. 

    Please note that if you use an out-of-network ATM (an ATM not in the Allpoint Network), we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

    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 are subject to change.  We also encourage you to check the ATM itself for any disclosed fees before withdrawing money.  If you use a non-Allpoint Network ATM for a withdrawal, you may also be charged a fee by the ATM owner/operator, even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator and is not assessed by us.

  • How do I see my account statements?

    FAQ & Support

    Your account statements are available in your T-Mobile MONEY app under ‘More’, then select ‘Statements and documents.’

  • How do I set up direct deposit?

    FAQ & Support

    It's easy! Just go to 'Add money' then 'Direct deposit' in your app to begin the process. We've teamed up with an industry leader to make direct depositing your paycheck into your T-Mobile MONEY account fast and hassle-free. Learn more about our easy direct deposit setup.

    You can also go straight to your HR department, and use the process that they currently have in place by providing them with your routing number and account number. 

    New direct deposits typically take up to 2 pay cycles to begin posting to your account.

  • How do I sign up for T-Mobile MONEY?

    FAQ & Support

    You can sign up for T-Mobile MONEY using the T-Mobile MONEY mobile app or web app. 

    To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

    To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T-Mobile MONEY account will qualify.

  • How do I perform a stop payment or report a missing check?

    FAQ & Support

    To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

    T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

    T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

  • Can I do a mobile check deposit or mail in a check using T-Mobile MONEY?

    FAQ & Support

    Yes! You can do a mobile check deposit by using the T-Mobile MONEY mobile app. Mobile check deposit is not available in the T-Mobile MONEY web app, so you'll need to download the T-Mobile MONEY mobile app from the Apple App Store or Google Play Store to use this feature. 

    Once installed, log in to the mobile app using your T-Mobile MONEY credentials, go to 'Add money', select 'Deposit check', and we'll guide you through the process from there. The max deposit amount for a mobile check deposit is $3,000. 

    If you'd like to make a deposit over $3,000, head over to the 'More' area of your app, select 'Statements and documents,' select 'Documents,' and select 'Deposit Slip.' Follow the instructions on the Deposit Slip to complete, print and mail us your deposit.

  • How does T-Mobile MONEY protect my identity and my account?

    FAQ & Support

    T-Mobile MONEY has several features to help secure our customers’ personal information and money. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). 

    And T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • How often should I change my password?

    FAQ & Support

    Passwords may be changed every 30-90 days. 

    The general rule is to create a strong password. Passwords that have more than the 6-character minimum (passwords with 6 characters are not considered strong, 8-10 characters are considered good, and with 14 characters are considered best practice - the longer the password, the better); a mix of letters (upper and lower case), numbers, and special symbols with no ties to your personal information or that aren't used elsewhere (using the same password for multiple sites puts you at risk).

    Here's how to change the password associated with your T-Mobile MONEY account:

    1. Log in to My T-Mobile (account.t-mobile.com)

    2. Click on your name in upper right corner

    3. Select 'Profile'

    4. Select 'T-Mobile ID'

    5. Select 'Edit' next to 'Password'

    6. Hit 'Continue' to get a verification code sent to your phone

    7. Enter the verification code you received

    8. Follow the directions to enter your old and new passwords

    9. Save

    Alternatively, from the T-Mobile MONEY app Login page:

    1. Tap 'Forgot password?' on the login screen

    2. Follow the prompts

    As a reminder, your T-Mobile ID is linked with your data plan, so you should never share your login credentials, including your password and email/T-Mobile wireless phone number combination, with another individual.

  • I lost my debit card, what do I do?

    FAQ & Support

    To quickly report your card as lost within the T-Mobile MONEY mobile app or web app: 

    1. Select 'My card' on the Home screen

    2. Select 'Report as lost, stolen, or damaged'

    3. Select 'I lost my card' and then follow the prompts

    If you're unable to find your card, you may order a free replacement card in your mobile app or web app.

  • I suspect fraud activity on my account, what do I do?

    FAQ & Support

    Don't worry, you're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

  • I'm taking a trip outside the U.S. or Puerto Rico, how do I make sure my T-Mobile MONEY debit card will work?

    FAQ & Support

    To let us know when and where you'll be traveling outside of the United States or Puerto Rico, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    Additional vendor and network limitations may apply.

  • My purse/wallet was stolen, and my T-Mobile MONEY debit card was in it. What do I need to do?

    FAQ & Support

    Follow these steps within your T-Mobile MONEY app to disable your card:

    1. Go to 'My card' 

    2. Select 'Report as lost, stolen, or damaged'

    3. Select 'My card was stolen.' to permanently disable your card and get a new one

    For further assistance, please contact a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    We do not charge a fee for getting a new debit card, no matter the reason!

  • T-Mobile is a business, right? How do you make money if you don't charge fees?

    FAQ & Support

    This is all handled between T-Mobile, merchants, BM Technologies (BMTX), and Customers Bank (the issuing bank). We expect to see revenues from merchant transaction fees when a customer pays with their T-Mobile MONEY Mastercard® debit card. Over time, we expect to see additional operational benefits in our core business in increased customer retention and reductions in payment expenses. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • What are your hours of operation and what holidays will you be closed?

    FAQ & Support

    You can access your T-Mobile MONEY account 24/7, 365 days a year. We process transactions on business days, which are every Monday through Friday,* excluding Federal Reserve holidays.

    T-Mobile MONEY Specialists are available for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    *Please see processing cutoff times for specific features, such as mobile check deposit or external transfers.

  • What can I do if I see an unauthorized or fraudulent charge on my account?

    FAQ & Support

    First, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts. 

    Then, to report the suspicious activity, call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

  • What do I do if my PIN does not work?

    FAQ & Support

    If your PIN isn't working, you can change it in your T-Mobile MONEY app by logging in and following these steps:

    1. Go to 'More'

    2. Select 'My settings'

    3. Select 'My accounts' 

    4. Tap on your T-Mobile MONEY account

    5. Tap 'Change debit card PIN' 

    6. Answer the security question and hit 'Next'

    7. Set a new PIN by following the prompts. When you've successfully changed your PIN, you will get a 'PIN updated' message.

    If you can't remember the answer to your security question when going through the process above, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What is T-Mobile MONEY's FDIC certificate number?

    FAQ & Support

    You’ll find us under “Customers Bank” whose FDIC certificate number is 34444. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • What should I do about lost checks?

    FAQ & Support

    To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

    T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

    T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

  • What should I do if I'm traveling and my T-Mobile MONEY debit card is declining?

    FAQ & Support

    Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What types of identification are acceptable for use when applying for a T-Mobile MONEY account?

    FAQ & Support

    You can use a valid US Driver's License, State ID or US Passport as a form of identification.

  • Who do I call if my T-Mobile MONEY debit card is declining?

    FAQ & Support

    Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Why doesn't T-Mobile provide T-Mobile MONEY banking support in its stores?

    FAQ & Support

    We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including customer support. A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care.

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • Why was my T-Mobile MONEY account closed?

    FAQ & Support

    Accounts can be closed for a variety of reasons, including multiple overdrafts or possible fraudulent transactions. For more information, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

  • Will you offer small business accounts?

    FAQ & Support

    We don't currently offer small business accounts.

  • Will your interest rate ever change, and how will I be notified?

    FAQ & Support

    Interest rates may change over time. We'll make sure you're notified in advance of key changes to your account, including your interest rate and annual percentage yield (APY). 

  • How do I send money to a friend or family member from my T-Mobile MONEY account?

    FAQ & Support

    It's easy! Log into the T-Mobile MONEY app and select one of the social payment (P2P) services like PayPal, Venmo, Cash App, etc. Then, depending on what the payment service requires, enter either your T-Mobile MONEY account number and routing number or T-Mobile MONEY debit card information. While we do not charge a fee for these transactions, be aware that these services may do so.

  • How do I qualify for interest?

    FAQ & Support

    All customers earn 1.00% Annual Percentage Yield (APY).* Customers with a qualifying T-Mobile wireless postpaid plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY* on balances up to $3,000 and 1.00% APY after that. 

    To see what you're eligible for, go to "My perks" in your T-Mobile MONEY app. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • How does T-Mobile MONEY use my personal information? What is your personal data policy?

    FAQ & Support

    T-Mobile MONEY respect the privacy of our customers, you can find a detailed description of how your personal  information and personal data could be used in our Privacy Policy.

  • What do I do if I forgot my username?

    FAQ & Support

    As a reminder, your username is an email address or T-Mobile wireless phone number you used to sign up for a T-Mobile MONEY account. If you've forgotten your username, select 'Forgot username/password' at the bottom of the login screen. Submit your email, and you will be sent a link. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What happens if I don't pay back my Got Your Back overdraft protection?

    FAQ & Support

    If you do not pay us back within 30 days from the date your account went negative, you may lose Got Your Back* overdraft protection for good. You need to add money to your account to get it to a positive balance as of the end of the banking day no later than 30 days after your account balance went negative.

    To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

    * How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What if I'm locked out of my account?

    FAQ & Support

    To unlock your account, select the 'Forgot username/password' link at the bottom of the login screen. Submit your username in the prompt and you will then be sent an email with a link to reset your password and unlock your account.

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What is Got Your Back overdraft protection and how do I qualify?

    FAQ & Support

    Got Your Back* is our way of having your back when you go over your account balance. Here's how it works: customers with an eligible T-Mobile wireless postpaid plan who register for perks and make at least 10 qualifying purchases using their T-Mobile MONEY card during a single calendar month to their checking account, receive up to $50 of spending in overdrafts with no fees. Just make sure your account balance is positive again by the end of the banking day on the 30th day after the account first goes negative or you may lose this benefit for good. 

    Got Your Back is not available for cash advances and ATM cash withdrawals. 

    To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

    How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What is T-Mobile MONEY's routing number?

    FAQ & Support

    Our routing number is 067092886, and you can easily find your T-Mobile MONEY account number by hitting the circle icon with the ellipses (…) on the Home screen in your T-Mobile MONEY app.

  • Is it possible to sign up for a T-Mobile MONEY account if you don't have a device that will support the mobile app?

    FAQ & Support

    Absolutely! Visit https://join.t-mobilemoney.com to sign up and use T-Mobile MONEY. Our web app has the same signup functionality as the mobile app. However, you will need a phone capable of receiving SMS text messages to complete the T-Mobile MONEY account signup process. During this process, we will send a one-time password confirmation to your phone, which you will need to respond to.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Do I need to make 10 qualifying purchases per month using my T-Mobile MONEY card to earn 1.00% APY?

    FAQ & Support

    No, all customers earn 1.00% Annual Percentage Yield (APY)* on all balances regardless of their purchase activity. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • If I cancel my T-Mobile wireless service, can I keep my T-Mobile MONEY account?

    FAQ & Support

    Yes, you can keep your T-Mobile MONEY account. 

    However, only T-Mobile wireless customers with an eligible postpaid plan can unlock additional benefits like 4.00% Annual Percentage Yield (APY),* Got Your Back** overdraft protection, and more. 

    To see what you're eligible for, go to 'My perks' in your T-Mobile MONEY app.

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    **How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What are the limits on earning interest on my T-Mobile MONEY account?

    FAQ & Support

    All customers earn 1.00% Annual Percentage Yield (APY)* on all balances, no matter how high. You will earn 4.00% APY* on balances up to and including $3,000 if you:

    1) are enrolled in a qualifying T-Mobile wireless postpaid plan;

    2) have registered for perks with your T-Mobile ID; and 

    3) have made at least 10 qualifying purchases using your T-Mobile MONEY card that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

    Balances above $3,000 will earn 1.00% APY. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • When is interest/APY paid out?

    FAQ & Support

    Interest paid on T-Mobile MONEY accounts is compounding and deposited into your account monthly.

  • How does 4.00% APY work?

    FAQ & Support

    We will pay you 4.00% Annual Percentage Yield (APY)* on balances up to and including $3,000 if you:

    1) are enrolled in a qualifying T-Mobile wireless postpaid plan;

    2) have registered for perks with your T-Mobile ID; and 

    3) have made at least 10 qualifying purchases using your T-Mobile MONEY card that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

    Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change.

    You will earn 1.00% APY for balances in your checking account above $3,000. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • Can I get T-Mobile MONEY banking support, or deposit cash, at a T-Mobile store location?

    FAQ & Support

    No. We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including support and deposits. As a result, we aren't able to offer support at T-Mobile store locations. 

    Depositing cash: 

    While you cannot deposit cash at a T-Mobile store location or into an ATM, there are several ways to deposit cash in your T-Mobile MONEY account. Check out 'How do I add cash to my T-Mobile MONEY account?' to learn more. 

    Banking support: 

    A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care. 

    To connect with a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year, please call 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

  • Can residents of Puerto Rico open an account?

    FAQ & Support

    Yes, a resident of Puerto Rico can open a T-Mobile MONEY account.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Is there a Spanish/Espanol version of T-Mobile MONEY?

    FAQ & Support

    You can reach a Spanish-speaking T-Mobile MONEY Specialist via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700.

  • What is the minimum transfer amount allowed for the Move Money feature in the T-Mobile MONEY app?

    FAQ & Support

    There isn't one! You can send as little as you want with our Move Money feature, just one of the many features available with T-Mobile MONEY.  

  • How long does it take for money added to my account to show up in my Available Balance?

    FAQ & Support

    The length of time it takes for funds you add to your account to become available is counted in business days from the date of your deposit. If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit. If we receive it after the cutoff time, we will consider it received the next business day. Every day is a business day except Saturdays, Sundays, and federal holidays. Here is how long it takes for money added by each method to be available from your account:

    External Transfers In – Unless longer delays apply, the balance will usually be available two to four business days after the day on which the transfer is initiated. The cutoff time for external transfers in is 9:00 p.m. ET. 

    Incoming Wire Transfers – Unless longer delays apply, the balance will typically be available on the same business day we receive the wire transfer. The cutoff time for incoming wire transfers is 6:00 p.m. ET. 

    Direct Deposit – New direct deposit setups typically take up to 2 pay cycles to begin posting to your account, based on the cut off dates of your employer’s direct deposit cycle dates. In general, direct deposit funds will become available on the date specified by the sender of the funds. 

    Funds from payroll-related direct deposits may be made available up to two days early. 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. See Account Disclosures / Terms and Conditions for more details. 

    Mobile Deposits: 

    The cutoff time for mobile check deposits is 7:00 p.m. ET. The aggregate daily limit for mobile check deposits is $3,000.

    Unless longer delays apply, the first $225 of total checks deposited for the day will be available on the first business day after the day of deposit. The remaining funds will be available on the fourth business day after the day of deposit. 

    Mailed Deposits - Please refer to the Funds Availability Policy for availability of mailed deposits. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Where are my T-Mobile MONEY account disclosures?

    FAQ & Support

    Your T-Mobile MONEY account disclosures are available in your T-Mobile MONEY app and on the T-Mobile MONEY website (see Account Disclosures / Terms and Conditions for more information).

  • Are there limits on the number or dollar amount of the transactions that I can perform using my debit card?

    FAQ & Support

    You are limited daily to $500 in ATM withdrawals and $2,500 in combined PIN-related, point-of-sale (POS) purchases / signature-related transactions. 

    As an example, if $2,000 is spent on PIN-related purchases in a single day, $500 is still available for signature-related transactions that day. Additionally, you can withdraw a maximum of $500 from an ATM within that same 24-hour period.

    If you have any questions, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • I need to dispute a transaction, what do I do?

    FAQ & Support

    To be guided through the dispute process, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

    You may also want to disable your card. To do this, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts.

  • If I cancel my T-Mobile wireless service or if it is terminated, can I keep the interest I earned with T-Mobile MONEY?

    FAQ & Support

    Yes, you can keep any interest that has been paid out to date with T-Mobile MONEY. However, your annual percentage yield (APY) will revert to 1.00% for the entire month in which your service is terminated or cancelled. See the Interest section of your Account Disclosures / Terms and Conditions for more information.

  • Why are funds that I added to my account not available yet?

    FAQ & Support

    Delays in availability of funds you add to your account are counted in business days from the date of your deposit. If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit.  If we receive it after the cutoff time, we will consider it received the next business day. Every day is a business day except Saturdays, Sundays, and federal holidays.  

    The length of time between the day of deposit and the day that funds become available is set forth in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Deposit Terms and Conditions. Delays in availability could be for multiple reasons. For example, if the deposit was a check or mobile check deposit, this delay could occur because we think the check may not be paid, you have deposited checks totaling more than $5,525 in a single day, or a failure or error occurred, along with other possible reasons listed in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Deposit Terms and Conditions. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Does T-Mobile MONEY have bill pay and can I set up recurring payments?

    FAQ & Support

    Yes. You can pay all of your bills from US merchants, and set up recurring payments, right from the T-Mobile MONEY app!

  • How do I reset the security questions for my T-Mobile MONEY account?

    FAQ & Support

    Please contact a T-Mobile MONEY Specialist to reset your security questions. Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

  • What makes T-Mobile MONEY different?

    FAQ & Support

    We love our customers, and we want to offer them better MONEY. So we've built a checking account where you can get paid up to 2 days early* with payroll-related direct deposits and everyone earns 1.00% Annual Percentage Yield (APY)** on all balances. Plus, T-Mobile wireless customers with an eligible postpaid plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY** on balances up to $3,000 and 1.00% APY after that. 

    Everyone gets access to over 55,000 no-fee Allpoint® ATMs in the U.S. and abroad (more than Bank of America, Chase or Wells Fargo) and our no overdraft fee, no account fee, no maintenance fee, and no minimum balance requirement checking account.

    To see what you're eligible for, log in to the T-Mobile MONEY app and select 'My perks'. 

    *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. 

    **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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • Can I transfer money in from another bank account?

    FAQ & Support

    Yes! To add money from an outside bank account, select 'External transfer in'. From there you'll be guided through source, destination, amount, and whether you'd like to do a single or recurring transfer. You'll need to have a verified, external bank account linked to your T-Mobile MONEY account before you can add money using this method. Verifying an external bank account could take several days or longer depending on the external bank and other circumstances.

  • Can I do an outbound wire transfer?

    FAQ & Support

    No, we do not currently offer outbound wire transfers from your T-Mobile MONEY account. However, there are other ways to transfer money from your account, including setting up an external transfer or using social payment (P2P) services like PayPal, Venmo, Cash App, etc. Note that while we do not charge a fee for P2P transactions, these services may do so.

  • How do I add cash to my T-Mobile MONEY account?

    FAQ & Support

    There are several ways to deposit cash in your T-Mobile MONEY account: 

    1. Bring your debit card and cash to a participating merchant like Walmart, CVS, 7-Eleven, Walgreens. Tell the clerk you’d like to load cash ($20 minimum) to your T-Mobile MONEY debit card with Green Dot, VanillaDirect, or MoneyGram. Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected.  Find a location here.

    2. Get a money order, made out to yourself, from a retailer or the USPS (you may incur a small fee) and then deposit the money order using the mobile check deposit feature in your T-Mobile MONEY mobile app. 

    3. Ask another bank for a cashier's check, made out to yourself (you may incur a small fee) and then deposit the cashier's check using the mobile check deposit feature in your T-Mobile MONEY mobile app. 

    4. Make a deposit at another bank and then do an external transfer in using your T-Mobile MONEY mobile app or web app to electronically transfer the funds.

  • Where do I go to deposit cash in my T-Mobile MONEY account?

    FAQ & Support

    Use the T-Mobile MONEY app or website to find a location closest to you – there are 65,000+ participating merchants nationwide. 

    Find a location: 

    In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'. 

    On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

  • How much cash can be added directly to my debit card at the register?

    FAQ & Support

    At most locations you can add any amount from $20 to $500 per day; however, there are a few exceptions. MoneyGram accepts cash deposits from $20 - $999 and Walmart accepts cash deposits from $20 - $1,000.

  • How much does it cost to add cash to my T-Mobile MONEY debit card?

    FAQ & Support

    Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected. 

  • Is there a limit to the number of cash deposits I can make?

    FAQ & Support

    There may be. Participating merchants independently set limits, if they have them. Please contact a participating merchant to learn more.

    Find a location:

    In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'

    On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

  • Can I direct deposit government payments to my T-Mobile MONEY account?

    FAQ & Support

    Yes. Use your T-Mobile MONEY routing number 067092886 and account number to direct deposit government payments like tax refunds or unemployment checks. To see how you can direct deposit government stimulus payments to T-Mobile MONEY, please visit the IRS Get My Payment website (https://www.irs.gov/coronavirus/get-my-payment).

  • Can I deposit government checks to my T-Mobile MONEY account?

    FAQ & Support

    Yes. We accept personal checks as well as government checks, including tax refunds, unemployment checks, and stimulus checks. 

    For U.S. Treasury checks ONLY, we will accept checks payable to two payees with ‘OR,’ ‘AND,’ or ‘BLANK’ joiners (see ‘Examples’ below) if the following requirements are met:

    —Mobile Check Deposit (for checks up to $3,000): The check must be endorsed on the back with “For Remote Deposit Only” or “For Mobile Deposit Only” AND signed by both parties before submitting the mobile check deposit via the T-Mobile MONEY mobile app. Be sure to check out the FAQ ‘What are the requirements for an acceptable mobile check deposit?’ for all requirements before submitting. 

    —Mail-in Check Deposit (for checks more than $3,000): The check must be endorsed on the back with “For Deposit Only” and signed by both parties, then mailed to us along with a filled-out T-Mobile MONEY Deposit Slip. See more details on the T-Mobile MONEY Deposit Slip. 

    —Examples:  
        'OR' = Mary Smith or John Smith
        'AND' = Mary Smith and John Smith
        'BLANK' = Mary Smith John Smith

    For more information on government stimulus payments, please visit the IRS Get My Payment website. 

  • Does T-Mobile MONEY offer early direct deposit?

    FAQ & Support

    Yes! With T-Mobile MONEY, you can get your paycheck up to 2 days early* when you use direct deposit.

    Existing payroll-related direct deposits are automatically eligible to receive this benefit. New direct deposits typically take up to 2 pay cycles to begin posting to your account and can be set up with your employer or let us do the work for you! 

    *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. 

  • What do I do if I set up direct deposit, but I'm not getting my paycheck one or two days early?

    FAQ & Support

    Funds from payroll-related direct deposits may be made available up to two days early. 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. See Account Disclosures / Terms and Conditions for more details. If you are not receiving your direct deposit early, contact us so we can investigate your unique direct deposit situation to see if there is anything we can do to help. However, based on the factors above it may be out of our control as to when the funds from your paycheck become available. 

    Contact us 8AM-12AM ET, 365 days a year by sending a secure message to a T-Mobile MONEY Specialist in your T-Mobile MONEY app. To send us a secure message about this topic, go to 'Support' (in the 'More' menu in your mobile app) then tap 'New secure message' and choose 'Get paid up to 2 days early' in the 'Category' dropdown menu. 

    When submitting your secure message, please be sure to include the following information:

      -Name of your employer

      -Dates of transaction

  • I am currently on a Sprint wireless plan, am I eligible for T-Mobile MONEY?

    FAQ & Support

    You don't need a wireless plan with T-Mobile or Sprint to sign up for a T-Mobile MONEY account! You only need to meet the following requirements:

    To sign up for an account you must:

     - Be of legal age

     - Have a US government-issued ID or state-issued driver's license/ID

     - Have a Social Security number

     - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Are Sprint customers eligible to earn perks?

    FAQ & Support

    Yes! T-Mobile customers, now including Sprint customers, with a qualifying postpaid wireless plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY* on balances up to $3,000 and 1.00% APY on balances after that, and can participate in Got Your Back** overdraft protection up to $50 by registering for perks and making at least 10 qualifying purchases using their T-Mobile MONEY card in a single calendar month. 

    All T-Mobile MONEY customers who do not meet these requirements can earn 1.00% Annual Percentage Yield (APY).* 

    To register for perks, open the T-Mobile MONEY app (make sure you have the latest version of the app downloaded). Then, go to "My perks" and follow the prompts. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    **How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • Are there any extra steps I need to take after setting up my Social Security Administration (SSA) direct deposit to T-Mobile MONEY?

    FAQ & Support

    Yes! The Social Security Administration (SSA) requires you to notify them about direct deposit information changes in one of the following ways:

      •  Visit the Social Security website at https://www.socialsecurity.gov/myaccount.

      •  Call Social Security at 1-800-772-1213.

      •  Call or visit your local Social Security office. Find the nearest office at https://secure.ssa.gov/ICON/main.jsp.

    We make it easy by filling out the form you’ll need when you talk to the SSA. Go to 'Add money' then 'Direct deposit' and look for “Social Security Administration” or "SSA". There you can download the form with your T-Mobile MONEY account information pre-filled.

  • What is a 'qualifying purchase'?

    FAQ & Support

    Qualifying purchases include:

    A purchase of goods or services made with your T-Mobile MONEY card. You can use your physical card, make an Internet purchase with the card number, or use Apple Pay®, Google Pay or Samsung Pay. Purchases also qualify whether you choose debit or credit at the point of sale. To count for the current month's qualifying purchases, a qualifying purchase must be "posted" to your T-Mobile MONEY Checking Account (and cannot be in a pending status) before the last business day of the month. Qualifying purchases that "post" on or after the last business day of the month, will count toward the next month’s qualifying purchases. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. "Posting" does not always occur on the date the transaction was authorized.

    Examples of qualifying purchases include, but are not limited to:

    - Pay for food delivery with your T-Mobile MONEY card

    - Purchase an online item from a retailer using your T-Mobile MONEY card

    - Purchase your medicine from the drugstore using your T-Mobile MONEY card 

    - Pay for gas using your T-Mobile MONEY card.

    The following transactions do NOT qualify:

    - Cashback that doesn’t include a purchase

    - Cash advances and ATM withdrawals 

    - Returns, refunds, and any other credits to your account 

    - Bill payments, external bank transfers, and any other ACH debits 

    - Transfers to an external bank account or peer-to-peer (P2P) services like PayPal®, Venmo®, Cash App®

    - Purchase authorizations, pending purchases, and holds

    For complete details on qualifying purchases, please see the Account Disclosures / Terms and Conditions and "Got Your Back" Terms and Conditions. 

  • Is the $200 monthly deposit still required to earn perks?

    FAQ & Support

    No. Effective 3/31/2021, the "deposit at least $200 a month" perks eligibility requirement was terminated and replaced with the new "make at least 10 qualifying purchases per month using your T-Mobile MONEY card" perks eligibility requirement. 

    For more details on how you can get perks, please see "How APY works" and "How Got Your Back works" below. 

    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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • I am currently on a Metro wireless plan, am I eligible for T-Mobile MONEY?

    FAQ & Support

    Yes! You only need to meet the following requirements:

    To sign up for an account you must:

    - Be of legal age 

    - Have a US government-issued ID or state-issued driver's license/ID

    - Have a Social Security number

    - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • How secure is my money with T-Mobile MONEY?

    FAQ & Support

    T-Mobile MONEY has several features to help secure our customers’ money. 

    T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

  • Источник: https://www.t-mobilemoney.com/en/faq.html

    How to increase your Cash App transaction limit by verifying your account

    Square Cash App
    Square
    • You can increase your Cash App transaction limit by verifying your account in the app. 
    • A basic Cash App account has a weekly $250 sending limit and a monthly $1,000 receiving limit. 
    • If you go through a verification process, your account can be upgraded to a send limit of $7,500 per week and an unlimited receiving limit.
    • Increasing your Cash App limit requires you to submit your full legal name, the last four numbers of your social security number, and your date of birth.
    • Visit Business Insider's homepage for more stories.

    Cash App makes sending and receiving money super easy, but in the scheme of things a basic Cash App account doesn't let you pay out or receive enough money to be of much consequence. 

    Sure, $250 is a decent amount of change, but that's also the maximum you can send per week without verifying your account, and as for receiving money, you're limited to $1,000 a month without verification. 

    So, the Cash App isn't exactly going to serve as a way for, say, a gig economy worker to receive their pay, unless they verify their account.

    How to increase your Cash App limit

    If you want to upgrade your basic, non-verified Cash App account and increase your limits, you can easily do so in the app.  

    To increase your Cash App limit, just try to surpass it. 

    How to increase Cash App limit
    Steven John/Business Insider

    When you try to send more than $250 in a week or receive payments of more than $1,000, the app will automatically prompt you to enter the information needed to verify your account; this will likely include your full legal name, the last four numbers of your social security number, and your date of birth.

    After you apply for verification, Cash App should award you greater webster five bank near me limits. According to the company's terms of service, verified users can send up to $7,500 per week and receive an unlimited amount.

    Related coverage from How To Do Everything: Tech:

    Steven John

    Freelance Writer

    More:Tech How Tocash appSquareBI-freelancer

    For you

    Источник: https://www.businessinsider.com/how-to-increase-cash-app-limit

    What are the Limits on Chase ATM and Purchase Transactions?

    Chase is one of the largest banks in the United States, with more than 5,000 branches and millions of customers in the United States.

    If you have a Chase ATM or debit card, you might find yourself in a situation where you need cash, but reach Chase’s card withdrawal limit.

    When that happens, you’ll need to find another way to get the cash you need.

    Find out what are Chase’s ATM and debit card limits and how you can get more cash out of your account when you need it.

    Withdrawal Limits Vary

    The first thing that you need to know is what your card withdrawal limit is.

    There’s no easy answer to this because limits can vary.

    Your withdrawal limit is affected by both the type of transaction being made and the type of card that you have.

    With a basic Chase debit card, you can withdraw $3,000 from an in-branch Chase ATM. However, you can withdraw just $1,000 from other Chase ATMs, and only $500 from non-Chase ATMs.

    If you have the Chase Private Client debit card, you can withdraw as much as $2,000 from non-Chase ATMs.

    We’ve included a table with all of the Chase debit card limits.

    Chase ATM/debit card transaction limits

    Card typePurchase limitChase in-branch ATM limitOther Chase ATM limitNon-Chase ATM limit
    Chase Debit Card$3,000$3,000$1,000$500 ($1,000 for accounts opened in CT, NJ, NY)
    Chase Skyline Debit Card (IL only)$3,000$3,000$1,000$500
    Premium Platinum Debit Card$7,500$3,000$3,000$1,000 ($2,000 for accounts opened in CT, NJ, NY)
    Chase Private Client Client Debit Card$7,500$3,000$3,000$2,000
    Better Banking Debit Card
    Chase Disney Debit Card
    Premier Debit Card
    $5,000$3,000$1,000$500 ($1,000 for accounts opened in CT, NJ, NY)
    High School Debit Card$300$500$500$400
    Access Debit Card$300$3,000$1,000$400
    Chase ATM CardN/A$3,000$1,000$300 ($1,000 for accounts opened in CT, NJ, NY)
    Chase High School ATM CardN/A$500$500$300

    What you should note about these limits:

    • These limits are daily limits. You can’t make a $3,000 withdrawal in the morning, then make another $3,000 withdrawal that evening.
    • The Chase in-Branch ATM limit is separate from all other limits. You can withdraw your limit from an in-branch ATM and still make a withdrawal from an out of branch ATM in the same day. Withdrawals made at in-branch ATMs after business hours don’t count as in-branch withdrawals. After the branch closes, the withdrawals count as a withdrawal from other Chase ATMs.
    • The limits don’t apply to each individual account. If you have more than one Chase checking account, these some of these limits are shared by each of your debit cards.
    • The Chase in-branch ATM withdrawal limit is shared by all of your debit cards. You can’t withdraw $3,000 using one card and then withdraw $3,000 using a different one. Similarly, the limits on withdrawals from other Chase ATMs and non-Chase ATMs are shared across cards.
    • Withdrawals made from a non-Chase ATM count towards your other Chase ATM limit. You can’t get $1,000 from a non-Chase ATM and then $3,000 from a Chase ATM outside a branch.

    If you need a lot of cash but are hitting your withdrawal limit, there are still ways that you can get the money you need. But before using those tricks, you should try to increase your withdrawal limits.

    Purchase Limits Apply Too

    One thing that many people don’t know is that there are also purchase limits on debit cards.

    For example, a basic Chase debit card won’t let you make more than $3,000 in purchases in a single day.

    The reality is:

    This limit is in place for security reasons. If someone steals your debit card, they can’t use it to drain your account by making expensive purchases.

    Remember, debit card purchase limits are separate from debit card withdrawal limits. You can max out your ATM withdrawals for the day and still use your card to make purchases.

    How to Get a Higher Limit

    The withdrawal limits that we listed are the defaults for Chase’s debit cards, but there are ways to change them.

    Ask for it

    The easiest way to be able to withdraw more when you need to is to contact Chase and request an increased withdrawal limit.

    • Refer to the back of your debit card and call the phone number listed to contact customer support.
    • You can also call Chase’s general customer service line at 1-800-935-9935.

    Related: Bank ATM Cash Withdrawal Limits & How To Get Around It

    When you get in touch with a representative, explain what you need. Specifically, ask them if they could authorize an increase in your debit card’s ATM withdrawal limits.

    When you make the request, be ready to answer questions.

    The customer service representative will ask why you need an increased limit. Explain your situation and why you need to withdraw more than your usual limit.

    If it’s a one-time request like making a large cash purchase, you can ask for the limit to be raised temporarily. If you find yourself in a situation where you expect to be making large cash withdrawals on a regular basis, you can ask for a permanent increase.

    Generally, getting a one-time exception is easier, so asking for a cash app atm withdrawal limit increase is best.

    If you do regularly hit your withdrawal limit, you should ask for a permanent increase, but be prepared to lay out a case for why.

    If you get a one-time increase to your withdrawal limit, don’t expect to be able to withdraw thousands of extra dollars. In most cases, Chase will only authorize you to withdraw few hundred dollars more than usual.

    Get a deeper relationship with Chase

    One thing that will make your life easier when requesting an increase in the limit is your relationship with Chase. If you’ve had accounts with Chase for years and shown that you’re a trustworthy customer, Chase will be more likely to increase your debit card limits.

    When thinking about your relationship with Chase, remember that your relationship hinges on length and quality, not quantity. If you have dozens of accounts, that probably won’t matter to Chase as much as the fact that you’ve been a Chase customer for years.

    You can also try upgrading cash app atm withdrawal limit changing your account type if you need a higher limit permanently. As the table above illustrates, the more premium accounts that Chase offers have higher limits.

    How to Get More Cash If You Need It

    If you’ve hit your ATM withdrawal limit and still need more cash, you’re not completely out of luck.

    One of the easiest ways to get cash if you need it is to visit a Chase branch. You can speak with a teller directly and withdraw cash.

    The limit on how much you can withdraw from your account by speaking to a teller at a bank is much higher than the ATM withdrawal limit. If you need a lot of cash, visiting a branch is probably your best bet.

    Debit card cash back

    If you aren’t near a branch but still need cash, you can take advantage of the fact that some stores let you get cash back with debit card purchases. Most grocery stores allow you to request a certain amount of cash back when you make a purchase.

    For example, you could visit your local grocery store and buy $40 worth of groceries, and ask for $20 in cash back. When you do, the store will charge your debit card for $60, giving you the groceries you purchased and $20 in change.

    If you need cash badly, you can buy something inexpensive like a candy bar and request cash back. Consider the cost of the item you purchase a sort of withdrawal fee.

    Keep in mind that there’s a limit to how much cash a grocery store will be willing to give you in cash back.

    Don’t expect to get thousands in cash back, maybe a few hundred dollars at most.

    Also, remember that both the purchase total and cash back you receive will count towards your daily purchase limit. If you visit multiple stores, you’ll have to keep track of how much your spending towards your limit.

    Credit card cash advance

    In a truly dire situation, you can get cash by getting a cash advance from your credit card.

    You should try to avoid this at all costs because credit card cash advances are expensive. Some cards charge you an upfront fee for cash advances. With credit card purchases, there is a grace period before you incur interest.

    Cash advances start charging interest immediately, making them potentially very expensive.

    Another thing to remember is that most credit cards have far lower cash advance limits than they do credit limits. If you have a $10,000 credit limit, you might not be able to get even $1,000 as a cash advance.

    If you absolutely must use a cash advance, make sure you know how much you’ll be able to withdraw and make sure it’s enough to meet your need. Otherwise, you’ll have incurred the costs of the cash advance without getting enough cash.

    Conclusion

    If you find yourself in need of cash quickly, an ATM is one of the easiest ways to withdraw money from your account.

    If you need a lot of cash, you might find yourself running up against your daily withdrawal limit.

    When that happens, contact Chase and ask for a temporary increase in your withdrawal limit. If that doesn’t work, or you need more cash, you can try to get cash back from stores to get the cash you need.

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    Источник: https://www.mybanktracker.com

    Bilingual support 365 days/year

  • Is it safe to use payment machines that do not accept an EMV chip?

    FAQ & Support

    Swipe terminals can be risker than EMV chip terminals. We recommend that you select "debit" and use your PIN in swipe-only situations, which is a safer authentication process than swiping and signing. 

  • Are T-Mobile MONEY accounts FDIC-insured?

    FAQ & Support

    Yes. T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • Are there really no fees charged by T-Mobile MONEY?

    FAQ & Support

    Yes! There are no monthly fees, no overdraft fees, no transfer fees, no fees at 55,000+ in-network Allpoint® ATMs worldwide, no T-Mobile MONEY out-of-network fees—all with no minimum balance requirements. 

    Customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

  • Can I use my T-Mobile MONEY card while traveling internationally?

    FAQ & Support

    Yes, you can use your T-Mobile MONEY debit card outside of the United States and Puerto Rico wherever Mastercard® is accepted. 

    Customers will not incur fees at 55,000+ in-network Allpoint® ATMs worldwide. However, customers may incur fees from ATM providers when using out-of-network ATMs or international ATMs and from Mastercard® when making foreign transactions. 

    For assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Does T-Mobile MONEY rebate ATM fees?

    FAQ & Support

    If you use an out-of-network ATM, we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

    We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

  • How secure is the T-Mobile MONEY app and website?

    FAQ & Support

    In short, VERY secure. Security is T-Mobile MONEY's top priority. We use both state-of-the art technology and best practices to protect your information and account. Both the T-Mobile MONEY mobile app and web app, as well as the T-Mobile MONEY website, have built-in security measures such as strong login/password authentication and encryption technology for all communications.

    Here are some of the features that T-Mobile MONEY provides to help secure our customers’ personal information and money:

    T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

  • Will I get charged for using an ATM that isn't Allpoint®?

    FAQ & Support

    ATMs outside of the Allpoint Network will charge varied fees. T-Mobile MONEY will not charge you a fee, but ATM owners may charge a fee based on location and bank provider. You can find one of the over 55,000 no-fee ATMs worldwide in the Allpoint ATM Network here.

  • Are international ATMs free?

    FAQ & Support

    T-Mobile MONEY will not charge a fee, but international ATM owners may charge their own fees along with the network, like Mastercard®, who may add additional charges for currency conversion.

    We do have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here. 

  • Are T-Mobile MONEY debit cards associated with Mastercard or Visa?

    FAQ & Support

    T-Mobile MONEY debit cards are associated with Mastercard. They are issued and administered by Customers Bank, pursuant to license from Mastercard International Incorporated. How to calculate mortgage payment formula MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

  • Can anyone sign up for a T-Mobile MONEY account?

    FAQ & Support

    As long as you meet the requirements, you can sign up for a T-Mobile MONEY account! 

    To sign up for an account you must:

    - Be of legal age 

    - Have a US government-issued ID or state-issued driver's license/ID

    - Have a Social Security Number

    - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

    To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Can I link foreign bank accounts to T-Mobile MONEY?

    FAQ & Support

    No, you can only link US-based bank accounts, which have a US ABA routing number, to T-Mobile MONEY. 

  • Can I open a joint account with T-Mobile MONEY?

    FAQ & Support

    Joint accounts are currently unavailable. Only one account may be opened per person.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Can I open multiple accounts with T-Mobile MONEY?

    FAQ & Support

    Multiple accounts are currently unavailable. Only one account may be opened per person.

    Not everyone who applies for a Cash app atm withdrawal limit Mobile MONEY account will qualify.

  • Does earning interest with T-Mobile MONEY have an effect on my taxes, and will I be sent a 1099 form?

    FAQ & Support

    Yes, all customers who earn $10 or more in interest will be sent a 1099-INT form. We will send you all of the tax forms you'll need by the end of January.

  • Does T-Mobile MONEY offer a savings account?

    FAQ & Support

    While we do not offer a savings account at this time, the T-Mobile MONEY Checking account has a high interest rate that can help you save more than you would with a traditional savings account. Learn more!

  • Does T-Mobile MONEY run a credit check or help build my credit score?

    FAQ & Support

    T-Mobile MONEY reserves the right to run credit checks on applicants and existing customers. For more information, please refer to the Account Terms and Conditions. Failing to maintain your account, including but not limited to keeping a negative balance, repeated overdrafts, and other factors could impact your credit score negatively. Under the guidelines of the PATRIOT Act, all banks are required to verify the identity of new customers. To comply, BM Technologies (BMTX), may request certain personally identifying information (PII) including but not limited to, validating your name, address, date of birth and SSN.

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T-Mobile MONEY account will qualify.

  • How can I contact T-Mobile MONEY?

    FAQ & Support

    You can call a T-Mobile MONEY Specialist for bilingual support 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • How do I activate my T-Mobile MONEY debit card?

    FAQ & Support

    Once you receive your T-Mobile MONEY debit card in the mail, you will need to activate it using your Cash app atm withdrawal limit MONEY mobile app or web app before you can start using it at an ATM or to make a purchase. To activate your card, simply log in to T-Mobile MONEY, go to 'My card' and follow the prompts—it's that easy.

  • How do I find a free, in-network ATM?

    FAQ & Support

    We have over 55,000 no-fee ATMs worldwide through the Allpoint® Network, and you can easily find one here and in your T-Mobile MONEY app. 

    Please note that if you use an out-of-network ATM (an ATM not in the Allpoint Network), we won’t charge you, but the ATM owner probably will, and we aren't able to rebate those fees. 

    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 Cash app atm withdrawal limit 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 are subject to change.  We also encourage you to check the ATM itself for any disclosed fees before withdrawing money.  If you use a non-Allpoint Network ATM for a withdrawal, you may also be charged a fee by the ATM owner/operator, even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator and is not assessed by us.

  • How do I see my account statements?

    FAQ & Support

    Your account statements are available in your T-Mobile MONEY app under ‘More’, then select ‘Statements and documents.’

  • How do I set up direct deposit?

    FAQ & Support

    It's easy! Just go to 'Add money' then 'Direct deposit' in your app to begin the process. We've teamed up with an industry leader to make direct depositing your paycheck into your T-Mobile MONEY account fast and hassle-free. Learn more about our easy direct deposit setup.

    You can also go straight to your HR department, and use the process that they currently have in place by providing them with your routing number and account number. 

    New direct deposits typically take up to 2 pay cycles to begin posting to your account.

  • How do I sign up for T-Mobile MONEY?

    FAQ & Support

    You can sign up for T-Mobile MONEY using the T-Mobile MONEY mobile app or web app. 

    To sign up via the mobile app, download T-Mobile MONEY from the Apple App Store or Google Play Store. Once installed, open the T-Mobile MONEY app and follow the instructions to open an account. 

    To sign up via the web app, visit https://join.t-mobilemoney.com and follow the instructions to open an account. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

    Not everyone who applies for a T-Mobile MONEY account will qualify.

  • How do I perform a stop payment or report a missing check?

    FAQ & Support

    To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

    T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

    T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

  • Can I do a mobile check deposit or mail in a check using T-Mobile MONEY?

    FAQ & Support

    Yes! You can do a mobile check deposit by using the T-Mobile MONEY mobile app. Mobile check deposit is not available in the T-Mobile MONEY web app, so you'll need to download the T-Mobile MONEY mobile app from the Apple App Store or Google Play Store to use this feature. 

    Once installed, log in to the mobile cash app atm withdrawal limit using your T-Mobile MONEY credentials, go to 'Add money', select 'Deposit check', and we'll guide you through the process from there. The max deposit amount for a mobile check deposit is $3,000. 

    If you'd like to make a deposit over $3,000, head over to the 'More' area of your app, select 'Statements and documents,' select 'Documents,' and select 'Deposit Slip.' Follow the instructions on the Deposit Slip to complete, print and mail us your deposit.

  • How does T-Mobile MONEY protect my identity and my account?

    FAQ & Support

    T-Mobile MONEY has several features to help secure our customers’ personal information and money. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience. Go to 'My card' in your T-Mobile MONEY app to disable and enable your card.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). 

    And T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • How often should I change my password?

    FAQ & Support

    Passwords may be changed every 30-90 days. 

    The general rule is to create a strong password. Passwords that have more than the 6-character minimum (passwords with 6 characters are not considered strong, 8-10 characters are considered good, and with 14 characters are considered best practice - the longer the password, the better); a mix of letters (upper and lower case), numbers, and special symbols with no ties to your personal information or that aren't used elsewhere (using the same password for multiple sites puts you at risk).

    Here's how to change the password associated with your T-Mobile MONEY account:

    1. Log in to My T-Mobile (account.t-mobile.com)

    2. Click on your name in upper right corner

    3. Select 'Profile'

    4. Select 'T-Mobile ID'

    5. Select 'Edit' next to 'Password'

    6. Hit 'Continue' to get a verification code sent to your phone

    7. Enter the verification code you received

    8. Follow the directions to enter your old and new passwords

    9. Save

    Alternatively, from the T-Mobile MONEY app Login page:

    1. Tap 'Forgot password?' on the login screen

    2. Follow the prompts

    As a reminder, your T-Mobile ID is linked with your data plan, so you should never share your login credentials, including your password and email/T-Mobile wireless phone number combination, with another individual.

  • I lost my debit card, what do I do?

    FAQ & Support

    To quickly report your card as lost within the T-Mobile MONEY mobile app or web app: 

    1. Select 'My card' on the Home screen

    2. Select 'Report as lost, stolen, or damaged'

    3. Select 'I lost cash app atm withdrawal limit card' and then follow the prompts

    If you're unable to find your card, you may order a free replacement card in your mobile app or web app.

  • I suspect fraud activity on my account, what do I do?

    FAQ & Support

    Don't worry, you're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html). Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

  • I'm taking a trip outside the U.S. or Puerto Rico, how do I make sure my T-Mobile MONEY debit card will work?

    FAQ & Support

    To let us know when and where you'll be traveling outside of the United States or Puerto Rico, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    Additional vendor and network limitations may apply.

  • My purse/wallet was stolen, and my T-Mobile MONEY debit card was in it. What do I need to do?

    FAQ & Support

    Follow these steps within your T-Mobile MONEY app to disable your card:

    1. Go to 'My card' 

    2. Select 'Report as lost, stolen, or damaged'

    3. Select 'My card was stolen.' to permanently disable your card and get a new one

    For further assistance, please contact a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    We do not charge a fee for getting a new debit card, no matter the reason!

  • T-Mobile is a business, right? How do you make money if you don't charge fees?

    FAQ & Support

    This is all handled between T-Mobile, merchants, BM Technologies (BMTX), and Customers Bank (the issuing bank). We expect to see revenues from merchant transaction fees when a customer pays with their T-Mobile MONEY Mastercard® debit card. Over time, we expect to see additional operational benefits in our core business in increased customer retention and reductions in payment expenses. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • What are your hours of operation and what holidays will you be closed?

    FAQ & Support

    You can access your T-Mobile MONEY account 24/7, 365 days a year. We process transactions on business days, which are every Monday through Friday,* excluding Federal Reserve holidays.

    T-Mobile MONEY Specialists are available for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

    *Please see processing cutoff times for specific features, such as mobile check deposit or external transfers.

  • What can I do if I see an unauthorized or fraudulent charge on my account?

    FAQ & Support

    First, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts. 

    Then, to report the suspicious activity, call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

  • What do I do if my PIN does not work?

    FAQ & Support

    If your PIN isn't working, you can change it in your T-Mobile MONEY app by logging in and following these steps:

    1. Go to 'More'

    2. Select 'My settings'

    3. Select 'My accounts' 

    4. Tap on your T-Mobile MONEY account

    5. Tap 'Change debit card PIN' 

    6. Answer the security question and hit 'Next'

    7. Set a new PIN by following the prompts. When you've successfully changed your PIN, you will get a 'PIN updated' message.

    If you can't remember the answer to your security question when going through the process above, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What is T-Mobile MONEY's FDIC certificate number?

    FAQ & Support

    You’ll find us under “Customers Bank” whose FDIC certificate number is 34444. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • What should I do about lost checks?

    FAQ & Support

    To report a missing check or perform a stop payment on a check, recurring debit card, or ACH transaction, please call a T-Mobile MONEY Specialist between 8AM - 12AM ET, 365 days/year at 855-398-9321. 

    T-Mobile MONEY does not charge a fee for reporting a missing check or performing a stop payment on a check or ACH transaction. 

    T-Mobile MONEY needs sufficient notice so that we have a reasonable opportunity both to verify that the item is unpaid and to act on your request. You should not expect the stop payment to be effective until you have received confirmation of such.

  • What should I do if I'm traveling and my T-Mobile MONEY debit card is declining?

    FAQ & Support

    Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What types of identification are acceptable for use when applying for a T-Mobile MONEY account?

    FAQ & Support

    You can use a valid US Driver's License, State ID or US Passport as a form of identification.

  • Who do I call if my T-Mobile MONEY debit card is declining?

    FAQ & Support

    Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Why doesn't T-Mobile provide T-Mobile MONEY banking support in its stores?

    FAQ & Support

    We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including customer support. A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care.

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC.

  • Why was my T-Mobile MONEY account closed?

    FAQ & Support

    Accounts can be closed for a variety of reasons, including multiple overdrafts or possible fraudulent transactions. For more information, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

  • Will you offer small business accounts?

    FAQ & Support

    We don't currently offer small business accounts.

  • Will your interest rate ever change, and how will I be notified?

    FAQ & Support

    Interest rates may change over time. We'll make sure you're notified in advance of key changes to your account, including your interest rate and annual percentage yield (APY). 

  • How do I send money to a friend or family member from my T-Mobile MONEY account?

    FAQ & Support

    It's easy! Log into the T-Mobile MONEY app and select one of the social payment (P2P) services like PayPal, Venmo, Cash App, etc. Then, depending on what the payment service requires, enter either your T-Mobile MONEY account number and routing number or T-Mobile MONEY debit card information. While we do not charge a fee for these transactions, be aware that these services may do so.

  • How do I qualify for interest?

    FAQ & Support

    All customers earn 1.00% Annual Percentage Yield (APY).* Customers with a qualifying T-Mobile wireless postpaid plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY* on balances up to $3,000 and 1.00% APY after that. 

    To see what you're eligible for, go to "My perks" in your T-Mobile MONEY app. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next td bank credit card number us qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • How does T-Mobile MONEY use my personal information? What is your personal data policy?

    FAQ & Support

    T-Mobile MONEY respect the privacy of our customers, you can find a detailed description of how your personal  information and personal data could be used in our Privacy Policy.

  • What do I do if I forgot my username?

    FAQ & Support

    As a reminder, your username is an email address or T-Mobile wireless phone number you used to sign up for a T-Mobile MONEY account. If you've forgotten your username, select 'Forgot username/password' at the bottom of the login screen. Submit your email, and you will be sent a link. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. The first national bank of dryden you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What happens if I don't pay back my Got Your Back overdraft protection?

    FAQ & Support

    If you do not pay us back within 30 days from the date your account went negative, you may lose Got Your Back* overdraft protection for good. You need to add money to your account to get it to a positive balance as of the end of the banking day no later than 30 days after your account balance went negative.

    To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

    * How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What if I'm locked out of my account?

    FAQ & Support

    To unlock your account, select the 'Forgot username/password' link at the bottom of the login screen. Submit your username in the prompt and you will then be sent an email with a link to reset your password and unlock your account.

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • What is Got Your Back overdraft protection and how do I qualify?

    FAQ & Support

    Got Your Back* is our way of having your back when you go over your account balance. Here's how it works: customers with an eligible T-Mobile wireless postpaid plan who register for perks and make at least 10 qualifying purchases using their T-Mobile MONEY card during a single calendar month to their checking account, receive up to $50 of spending in overdrafts with no fees. Just make sure your account balance is positive again by the end of the banking day on the 30th day after the account first goes negative or you may lose this benefit for good. 

    Got Your Back is not available for cash advances and ATM cash withdrawals. 

    To see if you're eligible for Got Your Back overdraft protection, log in to the T-Mobile MONEY app and select 'My perks'. 

    How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What is T-Mobile MONEY's routing number?

    FAQ & Support

    Our routing number is 067092886, and you can easily find your T-Mobile MONEY account number by hitting the circle icon with the ellipses (…) on the Home screen in your T-Mobile MONEY app.

  • Is it possible to sign up for a T-Mobile MONEY account if you don't have a device that will support the mobile app?

    FAQ & Support

    Absolutely! Visit https://join.t-mobilemoney.com to sign up and use T-Mobile MONEY. Our web app has the same signup functionality as the mobile app. However, you will need a phone capable of receiving SMS text messages to complete the T-Mobile MONEY account signup process. During this process, we will send a one-time password confirmation to your phone, which you will need to respond to.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Do I need to make 10 qualifying purchases per month using my T-Mobile MONEY card to earn 1.00% APY?

    FAQ & Support

    No, all customers earn 1.00% Annual Percentage Yield (APY)* on all balances regardless of their purchase activity. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • If I cancel my T-Mobile wireless service, can I keep my T-Mobile MONEY account?

    FAQ & Support

    Yes, you can keep your T-Mobile MONEY account. 

    However, only T-Mobile wireless customers with an eligible postpaid plan can unlock additional benefits like 4.00% Annual Percentage Yield (APY),* Got Your Back** overdraft protection, and more. 

    To see what you're eligible for, go to 'My perks' in your T-Mobile MONEY app.

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    **How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required cash app atm withdrawal limit meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • What are the limits on earning interest on my T-Mobile MONEY account?

    FAQ & Support

    All customers earn 1.00% Annual Percentage Yield (APY)* on all balances, no matter how high. You will earn 4.00% APY* on balances up to and including $3,000 if you:

    1) are enrolled in a qualifying T-Mobile wireless postpaid plan;

    2) have registered for perks with your T-Mobile ID; and 

    3) have made at least 10 qualifying purchases using your T-Mobile MONEY card that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

    Balances above $3,000 will earn 1.00% APY. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • When is interest/APY paid out?

    FAQ & Support

    Interest paid on T-Mobile MONEY accounts is compounding and deposited into your account monthly.

  • How does 4.00% APY work?

    FAQ & Support

    We will pay you 4.00% Annual Percentage Yield (APY)* on balances up to and including $3,000 if you:

    1) are enrolled in a qualifying T-Mobile wireless postpaid plan;

    2) have registered for perks with your T-Mobile ID; and 

    3) have made at least 10 qualifying purchases using your T-Mobile MONEY card that have posted to your Checking Account before the last business day of the month. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. Posting does not always occur on the date the transaction was authorized. 

    Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change.

    You will earn 1.00% APY for balances in your checking account above $3,000. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • Can I get T-Mobile MONEY banking support, or deposit cash, at a T-Mobile store location?

    FAQ & Support

    No. We have partnered with BM Technologies (BMTX) - a leading digital banking platform, for all banking services including support and deposits. As a result, we aren't able to offer support at T-Mobile store locations. 

    Depositing cash: 

    While you cannot deposit cash at a T-Mobile store location or into an ATM, there are several ways to deposit cash in your T-Mobile MONEY account. Check out 'How do I add cash to my T-Mobile MONEY account?' to learn more. 

    Banking support: 

    A distinct banking customer service team of T-Mobile MONEY Specialists, managed by our partner, will handle all T-Mobile MONEY account inquiries except for user ID and password-related inquiries, which can be handled by T-Mobile Care. 

    To connect with a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year, please call 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the cash app atm withdrawal limit area of your T-Mobile MONEY app. 

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

  • Can residents of Puerto Rico open an account?

    FAQ & Support

    Yes, a resident of Puerto Rico can open a T-Mobile MONEY account.

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Is there a Spanish/Espanol version of T-Mobile MONEY?

    FAQ & Support

    You can reach a Spanish-speaking T-Mobile MONEY Specialist via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United Wells fargo opportunity checking account closed, please dial 414-751-6700.

  • What is the minimum transfer amount allowed for the Move Money feature in the T-Mobile MONEY app?

    FAQ & Support

    There isn't one! You can send as little as you want with our Move Money feature, just one of the many features available with T-Mobile MONEY.  

  • How long does it take for money added to my account to show up in my Available Balance?

    FAQ & Support

    The length of time it takes for funds you add to your account to become available is counted in business days from the date of your deposit. If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit. If we receive it after the cutoff time, we will consider it received the next business day. Every day is a business day except Saturdays, Sundays, and federal holidays. Here is how long it takes for money added by each method to be available from your account:

    External Transfers In – Unless longer delays apply, the balance will usually be available two to four business days after the day on which the transfer is initiated. The cutoff time for external transfers in is 9:00 p.m. ET. 

    Incoming Wire Transfers – Unless longer delays apply, the balance will typically be available on the same business day we receive the wire transfer. The cutoff time for incoming wire transfers is 6:00 p.m. ET. 

    Direct Deposit – New direct deposit setups typically take up to 2 pay cycles to begin posting to your account, based on the cut off dates of your employer’s direct deposit cycle dates. In general, direct deposit funds will become available on the date specified by the sender of the funds. 

    Funds from payroll-related direct deposits may be made available up to two days early. 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. See Account Disclosures / Terms and Conditions for more details. 

    Mobile Deposits: 

    The cutoff time for mobile check deposits is 7:00 p.m. ET. The aggregate daily limit for mobile check deposits is $3,000.

    Unless longer delays apply, the first $225 of total checks deposited for the day will be available on the first business day after the day of deposit. The remaining funds will be available on the fourth business day after the day of deposit. 

    Mailed Deposits - Please refer to the Funds Availability Policy for availability of mailed deposits. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Where are my T-Mobile MONEY account disclosures?

    FAQ & Support

    Your American heritage credit union king of prussia pa MONEY account disclosures are available in your T-Mobile MONEY app and on the T-Mobile MONEY website (see Account Disclosures / Terms and Conditions for more information).

  • Are there limits on the number or dollar amount of the transactions that I can perform using my debit card?

    FAQ & Support

    You are limited daily to $500 in ATM withdrawals and $2,500 in combined PIN-related, point-of-sale (POS) purchases / signature-related transactions. 

    As an norway savings bank naples maine, if $2,000 is spent on PIN-related purchases in a single day, $500 is still available for signature-related transactions that day. Additionally, you can withdraw a maximum of $500 from an ATM within that same 24-hour period.

    If you have any questions, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days cit savings year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • I need to dispute a transaction, what do I do?

    FAQ & Support

    To be guided through the dispute process, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 855-398-9321.

    You may also want to disable your card. To do this, log in to your T-Mobile MONEY app to quickly disable your physical and virtual card by going to 'My card', tapping the card status switch next to 'Card status', and following the prompts.

  • If I cancel my T-Mobile wireless service or if it is terminated, can I keep the interest I earned with T-Mobile MONEY?

    FAQ & Support

    Yes, you can keep any interest that has been paid out to date with T-Mobile MONEY. However, your annual percentage yield (APY) will revert to 1.00% for the entire month in which your service is terminated or cancelled. See the Interest section of your Account Disclosures / Terms and Conditions for more information.

  • Why are funds that I added to my account not available yet?

    FAQ & Support

    Delays in availability of funds you add to your account are counted in business days from the date of your deposit. If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit.  If we receive it after the cutoff time, we will consider it received the next business day. Every day is a business day except Saturdays, Sundays, and federal holidays.  

    The length of time between the day of deposit and the day that funds become available is set forth in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Deposit Terms and Conditions. Delays in availability could be for multiple reasons. For example, if the deposit was a check or mobile check deposit, this delay could occur because we think the check may not be paid, you have deposited checks totaling more than $5,525 in a single day, or a failure or error occurred, along with other possible reasons listed in the Account Terms and Conditions under the Funds Availability Policy and the Mobile Check Cash app atm withdrawal limit Terms and Conditions. 

    If you need further assistance, please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or dial **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app.

  • Does T-Mobile MONEY have bill pay and can I set up recurring payments?

    FAQ & Support

    Yes. You can pay all of your bills from US merchants, and set up recurring payments, right from the T-Mobile MONEY app!

  • How do I reset the security questions for my T-Mobile MONEY account?

    FAQ & Support

    Please contact a T-Mobile MONEY Specialist to reset your security questions. Please call a T-Mobile MONEY Specialist for bilingual support via phone 8AM-12AM ET, 365 days a year at 866-686-9358 or **MONEY from your T-Mobile device. If you're calling from outside of the United States, please dial 414-751-6700. You can also contact a T-Mobile MONEY Specialist for help 8AM-12AM ET, 365 days a year via secure message in the 'Support' area of your T-Mobile MONEY app. 

  • What makes T-Mobile MONEY different?

    FAQ & Support

    We love our customers, and we want to offer them better MONEY. So we've built a checking account where you can get paid up to 2 days early* with payroll-related direct deposits and everyone earns 1.00% Annual Percentage Yield (APY)** on all balances. Plus, T-Mobile wireless customers with an eligible postpaid plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY** on balances up to $3,000 and 1.00% APY after that. 

    Everyone gets access to over 55,000 no-fee Allpoint® ATMs in the U.S. and abroad (more than Bank of America, Chase or Wells Fargo) and our no overdraft fee, no account fee, no maintenance fee, and no minimum balance requirement checking account.

    To see what you're eligible for, log in to the T-Mobile MONEY app and cash app atm withdrawal limit 'My perks'. 

    *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. 

    **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. Qualifying purchases posting on or after the last business day of the month count toward the next prepaid bank of america com qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

  • Can I transfer money in from another bank account?

    FAQ & Support

    Yes! To add money from an outside bank account, select 'External transfer in'. From there you'll be guided through source, destination, amount, and whether you'd like to do a single or recurring transfer. You'll need to have a verified, external bank account linked to your T-Mobile MONEY account before you can add money using this method. Verifying an external bank account could take several days or longer depending on the external bank and other circumstances.

  • Can I do an outbound wire transfer?

    FAQ & Support

    No, we do not currently offer outbound wire transfers from your T-Mobile MONEY account. However, there are other ways to transfer money from your account, including setting up an external transfer or using social payment (P2P) services like PayPal, Venmo, Cash App, etc. Note that while we do not charge a fee for P2P transactions, these services may do so.

  • How do I add cash to my T-Mobile MONEY account?

    FAQ & Support

    There are several ways to deposit cash in your T-Mobile MONEY account: 

    1. Bring your debit card and cash to a participating merchant like Walmart, CVS, 7-Eleven, Walgreens. Tell the clerk you’d like to load cash ($20 minimum) to your T-Mobile MONEY debit card with Green Dot, VanillaDirect, or MoneyGram. Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected.  Find a location here.

    2. Get a money order, made out to yourself, from a retailer or the USPS (you may incur a td bank credit card number us fee) and then deposit the money order using the mobile check deposit feature in your T-Mobile MONEY mobile app. 

    3. Ask another bank for a cashier's check, made out to yourself (you may incur a small fee) and then deposit the cashier's check using the mobile check deposit feature in your T-Mobile MONEY mobile app. 

    4. Make a deposit at another bank and then do an external transfer in using your T-Mobile MONEY mobile app or web app to electronically transfer the funds.

  • Where do I go to deposit cash in my T-Mobile MONEY account?

    FAQ & Support

    Use the T-Mobile MONEY app or website to find a location closest to you – there are 65,000+ participating merchants nationwide. 

    Find a location: 

    In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'. 

    On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

  • How much cash can be added directly to my debit card at the register?

    FAQ & Support

    At most locations you can add any amount from $20 to $500 per day; however, there are a few exceptions. MoneyGram accepts cash deposits from $20 - $999 and Walmart accepts cash deposits from $20 - $1,000.

  • How much does it cost to add cash to my T-Mobile MONEY debit card?

    FAQ & Support

    Participating merchants charge a fee, in most cases less than $5 per deposit. Fees may exceed this amount and vary by location. We do not set or benefit from fees collected. 

  • Is there a limit to the number of cash deposits I can make?

    FAQ & Support

    There may be. Participating merchants independently set limits, if they have them. Please contact a participating merchant to learn more.

    Find a location:

    In your T-Mobile MONEY app, go to 'Add money', then select 'Deposit cash'

    On the T-Mobile MONEY website, visit: https://www.t-mobilemoney.com/en/features/deposit-cash-locations.html.

  • Can I direct deposit government payments to my T-Mobile MONEY account?

    FAQ & Support

    Yes. Use your T-Mobile MONEY routing number 067092886 and account number to direct deposit government payments like tax refunds or unemployment checks. To see how you can direct deposit government stimulus payments to T-Mobile MONEY, please visit the IRS Get My Payment website (https://www.irs.gov/coronavirus/get-my-payment).

  • Can I deposit government checks to my T-Mobile MONEY account?

    FAQ & Support

    Yes. We accept personal checks as well as government checks, including tax refunds, unemployment checks, and stimulus checks. 

    For U.S. Treasury checks ONLY, we will accept checks payable to two payees with ‘OR,’ ‘AND,’ or ‘BLANK’ joiners (see ‘Examples’ below) if the following requirements are met:

    —Mobile Check Deposit (for checks up to $3,000): The check must be endorsed on the back with “For Remote Deposit Only” or “For Mobile Deposit Only” AND signed by both parties before submitting the mobile check deposit via the T-Mobile MONEY mobile app. Be sure to check out the FAQ ‘What are the requirements for an acceptable mobile check first convenience bank texas routing for all requirements before submitting. 

    —Mail-in Check Deposit (for checks more than $3,000): The check must be endorsed on the back with “For Deposit Only” and signed by both parties, then mailed to us along with a filled-out T-Mobile MONEY Deposit Slip. See more details on the T-Mobile MONEY Deposit Slip. 

    —Examples:  
        'OR' = Mary Smith or John Smith
        'AND' = Mary Smith and John Smith
        'BLANK' = Mary Smith John Smith

    For more information on government stimulus payments, please visit the IRS Get My Payment website. 

  • Does T-Mobile MONEY offer early direct deposit?

    FAQ & Support

    Yes! With T-Mobile MONEY, you can get your paycheck up to 2 days early* when you use direct deposit.

    Existing payroll-related direct brindley beach check out are automatically eligible to receive this benefit. New direct deposits typically take up to 2 pay cycles to begin posting to your account and can be set up with your employer or let us do the work for you! 

    *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. 

  • What do I do if I set up direct deposit, but I'm not getting my paycheck one or two days early?

    FAQ & Support

    Funds from payroll-related direct deposits may be made available up to two days early. 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. See Account Disclosures / Terms and Conditions for more details. If you are not receiving your direct deposit early, contact us so we can investigate your unique direct deposit situation to see if there is anything we can do to help. However, based on the factors above it may be out of our control as to when the funds from your paycheck become available. 

    Contact us 8AM-12AM ET, 365 days a year by sending a secure message to a T-Mobile MONEY Specialist in your T-Mobile MONEY app. To send us a secure message about this topic, go to 'Support' (in the 'More' menu in your mobile app) then tap 'New secure message' and choose 'Get paid up to 2 days early' in the 'Category' dropdown menu. 

    When submitting your secure message, please be sure to include the following information:

      -Name of your employer

      -Dates of transaction

  • I am currently on a Sprint wireless plan, am I eligible for T-Mobile MONEY?

    FAQ & Support

    You don't need a wireless plan with T-Mobile or Sprint to sign up for a T-Mobile MONEY account! You only need to meet the following requirements:

    To sign up for an account you must:

     - Be of legal age

     - Have a US government-issued ID or state-issued driver's license/ID

     - Have a Social Security number

     - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • Are Sprint customers eligible to earn perks?

    FAQ & Support

    Yes! T-Mobile customers, now including Sprint customers, with a qualifying postpaid wireless plan who register for perks and make at least 10 qualifying purchases per month using their T-Mobile MONEY card can earn 4.00% APY* on balances up to $3,000 and 1.00% APY on balances after that, and can participate in Got Your Back** overdraft protection up to $50 by registering for perks and making at least 10 qualifying purchases using their T-Mobile MONEY card in a single calendar month. 

    All T-Mobile MONEY customers who do not meet these requirements can earn 1.00% Annual Percentage Yield (APY).* 

    To register for perks, open the T-Mobile MONEY app (make sure you have the latest version of the app downloaded). Then, go to "My perks" and follow the prompts. 

    *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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    **How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • Are there any extra steps I need to take after setting up my Social Security Administration (SSA) direct deposit to T-Mobile MONEY?

    FAQ & Support

    Yes! The Social Security Administration (SSA) requires you to notify them about direct deposit information changes in one of the following ways:

      •  Visit the Social Security website at https://www.socialsecurity.gov/myaccount.

      •  Call Social Security at 1-800-772-1213.

      •  Call or visit your local Social Security office. Find the nearest office at https://secure.ssa.gov/ICON/main.jsp.

    We make it easy by filling out the form you’ll need when you talk to the SSA. Go to 'Add money' then 'Direct deposit' and look for “Social Security Administration” or "SSA". There you can download the form with your T-Mobile MONEY account information pre-filled.

  • What is a 'qualifying purchase'?

    FAQ & Support

    Qualifying purchases include:

    A purchase of goods or services made with your T-Mobile MONEY card. You can use your physical card, make an Internet purchase with the card number, or use Apple Pay®, Google Pay or Samsung Pay. Purchases also qualify whether you choose debit or credit at the point of sale. To count for the current month's qualifying purchases, a qualifying purchase must be "posted" to your T-Mobile MONEY Checking Account (and cannot be in a pending status) before the last business day of the month. Qualifying purchases that "post" on or after the last business day of the month, will count toward the next month’s qualifying purchases. "Posted" ("posting" and "post") means that a given purchase has been finalized by the merchant and communicated to the bank. "Posting" does not always occur on the date the transaction was authorized.

    Examples of qualifying purchases include, but are not limited to:

    - Pay for food delivery with your T-Mobile MONEY card

    - Purchase an online item from a retailer using your T-Mobile MONEY card

    - Purchase your medicine from the drugstore using your T-Mobile MONEY card 

    - Pay for gas using your T-Mobile MONEY card.

    The following transactions do NOT qualify:

    - Cashback that doesn’t include a purchase

    - Cash advances and ATM withdrawals 

    - Returns, refunds, and any other credits to your account 

    - Bill payments, external bank transfers, and any other ACH debits 

    - Transfers to an external bank account or peer-to-peer (P2P) services like PayPal®, Venmo®, Cash App®

    - Purchase authorizations, pending purchases, and holds

    For complete details on qualifying purchases, please see the Account Disclosures / Terms and Conditions and "Got Your Back" Terms and Conditions. 

  • Is the $200 monthly deposit still required to earn perks?

    FAQ & Support

    No. Effective 3/31/2021, the "deposit at least $200 a month" perks eligibility requirement was terminated and replaced with the new "make at least 10 qualifying purchases per month using your T-Mobile MONEY card" perks eligibility requirement. 

    For more details on how you can get perks, please see "How APY works" and "How Got Your Back works" below. 

    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. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and 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. These added value benefits are subject to change. Balances above $3,000 in the Checking Account earn 1.00% APY. 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). 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. APYs are accurate as of 10/28/2021 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions.

    How Got Your Back works: Available only to T-Mobile wireless customers with a line on a qualifying postpaid plan san jose county have registered for perks. Got Your Back overdraft protection will begin once 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. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See "Got Your Back" Terms and Conditions for more details.

  • I am currently on a Metro wireless plan, am I eligible for T-Mobile MONEY?

    FAQ & Support

    Yes! You only need to meet the following requirements:

    To sign up for an account you must:

    - Be of legal age 

    - Have a US government-issued ID or state-issued driver's license/ID

    - Have a Social Security number

    - Have a street address within the U.S. and Puerto Rico, excluding other U.S. territories

    T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Not everyone who applies for a T Mobile MONEY account will qualify.

  • How secure is my money with T-Mobile MONEY?

    FAQ & Support

    T-Mobile MONEY has several features to help secure our customers’ money. 

    T-Mobile MONEY accounts are FDIC-insured up to $250,000 through Customers Bank. T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. 

    Customers can turn their debit card off at any time in the app if their card is lost or stolen, and can turn it back on at their convenience.

    Biometrics (retinal scanning, fingerprint reading, facial scanning) can be used to log in to the mobile app if that functionality is enabled on their mobile device. 

    When customers use their T-Mobile MONEY debit card, they're protected when fraud occurs with Zero Liability Protection from Mastercard® (see terms and conditions: https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.html).

  • Источник: https://www.t-mobilemoney.com/en/faq.html

    Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

    Advertiser Disclosure

    We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

    Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

    Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

    On average, it costs more than $4.50 to use an out-of-network ATM.

    And that’s not counting any foreign transaction fees or international ATM withdrawal fees that you may encounter abroad.

    Whether you pay any ATM fees depends on whether you use an ATM within your bank’s network or an out-of-network ATM. In-network ATMs are generally free to use.

    If you use an out-of-network ATM, though, you could be hit with not one, but two fees. There could be an out-of-network ATM fee that’s charged by your bank and the ATM’s owner or just by the ATM’s owner. Luckily, if you have a smartphone, it’s fairly easy to find free ATMs even when you’re on the go.

    Here’s how.

    Deposit $1, get a shot at $20,000 Learn More

    Go to one of your bank’s locations

    If your bank has a physical branch that you can go to, it’s a safe bet that the ATM there will be free to use since most financial institutions own or operate the ATMs within their physical branches.

    This is one reason that choosing a bank with a lot of branch locations has an advantage. But even if you bank online or travel outside of your bank’s service area, there are still lots of ways to find free ATMs. It’ll just take a bit of (easy) detective work.

    Use the free ATM finder on your bank’s website or app

    If you like getting cash on the go and don’t want to (or can’t) visit your bank directly, make sure you download your bank’s app or check out its website. Most banks have an option to find free ATMs near you, but you might need to do some digging to find it.

    Doing this in advance — before you’re out and about — can be a good idea. That way you know exactly where to go to find the free ATM locator, and you’re not stumbling around a website that you’re not familiar cit savings to try and find a free ATM.

    Check to see if your financial institution has a deal with a surcharge-free ATM network

    Some financial institutions have deals with no-fee ATM networks that allow their customers to use the ATMs without incurring fees. Find out if your bank or credit union gives you access by contacting your financial institution. Some surcharge-free ATM networks also maintain a list of participating issuers on their sites. Also, sometimes your debit card will have the logo of fee-free ATM networks printed on it.

    Below, we’ve included links to some ATM network locator pages.

    Surcharge-free ATM networkNumber of ATMs
    Allpoint55,000 worldwide
    MoneyPassMore than 37,000 nationwide
    Plus Alliance Network (must select check box for Plus Alliance ATMs before searching)Thousands nationwide
    PULSE Select (must switch on surcharge-free option before searching)32,000 nationwide
    SUMThousands nationwide
    TransFundThousands nationwide

     

    Find a CO-OP Network ATM if you bank with a credit union

    If you bank with a credit union, it might seem like your options for finding a free ATM are rather limited at first since most credit unions are small, local organizations. But the opposite is actually true: Many credit unions participate in the CO-OP Network, which provides access to 30,000 free ATMs across the country.

    If your credit union participates in the CO-OP Network, you can see if there’s a free ATM near you through the CO-OP ATM Finder website, or your credit union may have the info on its app or website.

    Deposit $1, get a shot at $20,000 Learn More

    Open a checking account that waives or reimburses ATM fees

    Some financial institutions offer ATM-fee reimbursements if you’re charged an ATM surcharge fee. This is about the closest thing you can get to true ATM-fee freedom — but even then, there are still usually limits in place. Banks generally only reimburse a certain dollar amount of fees, and they have different timelines for crediting it back to your account. 

    For example, Ally Bank offers reimbursements for the first $10 in ATM surcharge fees every month, and you get that money at the end of the month. Alliant Credit Union, on the other hand, reimburses up to $20 in ATM surcharge fees, and it’s credited to your account by the next business day.

    Some financial institutions go a step further and offer unlimited ATM surcharge fee waivers. For example, members of Bank of America’s Preferred Rewards Program who have reached the Platinum Honors tier can visit as many out-of-network ATMs as they want with no non-network fees or ATM surcharge fees.

    Charles Schwab Bank’s High-Yield Investor Checking account effectively has no ATM fees — the account comes with unlimited ATM fee rebates on cash withdrawals when using the account debit card.

    Alternatives to ATMs

    If you’re not able to withdraw money from an ATM or you’re too worried about navigating a maze of fees, no worries. It’s still possible to get cash without visiting an ATM.

    • Get cash when you pay with your debit card — Some of the big nationwide chains like Costco, CVS, Rite Aid and Walmart let you get cash back when you use your debit card to make a purchase. The amount you can get may be limited, though, and you’ll still have to use your card to buy something in order to get that cash.
    • Pay with your card — Unless you have a specific reason to pay cash, you can always just swipe your credit or debit card if the merchant accepts it. But keep in mind that that with credit cards, merchants may require a minimum purchase of up to $10. With debit cards, Visa and Mastercard don’t allow purchase minimums.  
    • Pay with your phone — You can send money to people with phone apps like Cash App, PayPal, Venmo or another tool.
    • Borrow from family or friends — Consider asking a friend or family member if they’ll lend you some cash.

    What’s next?

    Finding a free ATM should be fairly simple as long as you remember a few rules: Stick with in-network ATMs and know how to find them, or at least opt for a checking account that waives ATM fees. Aside from that, it’s always a good idea to keep a little cash on hand in case you run into a snag, like needing a ride home or getting a bite to eat.

    Make sure you’re also aware of any overdraft fees, which are charged when you spend more than you have in your account. You can still be charged these fees even if you use an ATM. Using your bank’s mobile app can help you stay on top of your bank balance, and it’ll help you find free ATMs too.

    Deposit $1, get a shot at $20,000 Learn More

    About the author: Lindsay VanSomeren is a freelance writer living in Kirkland, Washington. She has been a professional dogsled racer, a wildlife researcher, and a participant in the National Spelling Bee. She writes for websites such a… Read more.

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    Источник: https://www.creditkarma.com/savings/i/how-to-make-free-atm-withdrawals

    How to find an ATM location

    current-bank-parent-teen-banking-sign-up

    Open your Current app.

    ATM2

    Go to the money tab.

    ATM4

    Find a fee-free Allpoint ATM near you.

    Customer Reviews

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    "I love Current!! Its very easy to use, you can deposit money at almost any gas station, Walgreens, CVS and the BEST part about it the money shows up instantly. You can withdraw money at ATM's everywhere. Plus alot of cash back rewards"

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    "Dependable account. Free ATM. Get paid on Wednesday instead of Friday. I can pause the card when not using. I can block popular brands if I need to."

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    "Current bank: Current is the best banking service I’ve had so far!!!"

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    Источник: https://current.com/free-atm-withdrawals/
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    Comments

    1. But sir men kotak 811me 10000wala saving khola that online ab me use. 0 balance Kar wanna chahti hu Kya AP Bata sakty h Ghar bhetha ho sakta h kya

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