^ To qualify for T Mobile Money’s 4.00% APY on balances up to and including $3,000 in the Checking Account, a user must meet all requirements each qualifying period: be enrolled in a qualifying T-Mobile postpaid wireless plan, have registered for perks with your T-Mobile ID and have at least $200 in qualifying deposits have posted to the Checking Account before the last business day of the month. 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.
^ To qualify for Got Your Back (GYB) overdraft protection a user must meet all requirements each qualifying period: have an eligible T-Mobile wireless postpaid plan who register for perks and make deposits totaling $200 during a single month to the checking account, then they will receive up to $50 of spending in overdrafts with no fees. If the balance is not repaid by the end of the banking day on the 30th day after the account first goes negative the user may lose this benefit for good.
T Mobile Money customers can only earn 4.00% APY on their T Mobile Money savings up to $3,000 then it drops to 1.00% APY and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket up to $25,000 with a qualifying direct deposit and 3.00% APY* in their Auto-Save Pocket. T Mobile Money customers have the option to enroll in overdraft protection with conditions where One customers can enroll in fee-free overdraft protection. T Mobile Money customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. TT Mobile Money customers are not able to share an account with anyone where One customers can share up to 99 Pockets.