So...this is a thing I guess.
T-Mobile has a lot of different services that it offers. In addition to its main wireless service, the Un-Carrier also offers data plans for your car, digital parenting tools to monitor your family's gadget usage, and more. Now, T-Mobile's latest offering is...a bank?
Yep. It's called T-Mobile MONEY, and it's a mobile-only checking account that you can sign up for right now. Both T-Mobile and non-T-Mobile subscribers can sign up for it, but if you use TMO for your wireless phone service, you'll be offered a 4.00% APY on your account if you deposit at least $200/month. That's good for balances up to $3,000, with anything above that earning 1.00% (the same rate that non-T-Mobile users will earn on their total balance).
T-Mobile MONEY has no overdraft, account, maintenance, or minimum balance fees. You can use 55,000+ Allpoint ATMs for free, and the Got Your Back feature that's exclusive for T-Mobile wireless subscribers provides you with $50 in overdraft protection. T-Mobile MONEY also supports Google Pay, Samsung Pay, and Apple Pay and includes a physical debit card with an EMV chip.
Handing even more money over to a wireless carrier might not sound like an ideal situation to a lot of you reading this, so it's worth mentioning that T-Mobile didn't just go off and create a banking solution on its own. It's actually a service from BankMobile that T-Mobile essentially customized with its own UI and branding. BankMobile has an A+ rating with the Better Business Bureau, so do with that as you will.
What's your take on T-Mobile MONEY? Is this something you'd ever consider joining? Let us know in the comments below.
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