- 96.0LEGITIMACY SCORE
- 96.5SAFETY SCORE
- 4+CONTENT RATING
- FreePRICE
T-Mobile MONEY: Better Banking App Complaints & User Negative Comments 2024
T-Mobile MONEY: Better Banking app received 24 complaints, negative comments and reviews by users. Have you ever had a bad experience using T-Mobile MONEY: Better Banking? Can you share your negative thoughts about t-mobile money: better banking?
Please wait! T-Mobile MONEY: Better Banking Facebook comments loading...
T-Mobile MONEY: Better Banking for Negative User Reviews
✓ Changed the 4% interest qualificationI just got notice that the 4% interest they give for a $200 deposit is being replaced with having to make 10 purchases from that account each month instead. I want the money to be deposited and I was not spending from the account. They claim it is to make it easier on all of us. But no, I would prefer a choice. We either deposit $200 or we have the 10 transactions. If this is changed I will just move the money. 1% is not that great and 4% is what made it worthwhile for the extra edge on some of the money. Disappointed this change was not made into a choice. The account has been okay, but they also caused me an issue where they accepted a check I wrote to myself from a joint account I have. That check went through no issue. I wrote another one from that joint account and it was declined causing me Issues with the other bank. They said they don’t take third party checks, yet they took the first one. I was recommending this bank to other T-Mobile users, but now I will stop. Just not worth it for the hassle and hoops they make me go through..Version: 1.4.5
✓ Don’t trust them to hold your money. They don’t even know where your money is!I had disputed some unauthorized transactions on my account. The disputes were ruled in my favor. They credited my funds back to my account. Then, with no notice, they closed my accounts. They told me they mailed a paper check to the address on file. I could have easily moved my funds to another account. But, no warning. Money gone. It has now been 8 days. I’m still awaiting my paper check. No one knows anything. No one will give me any support. Do yourself a favor and do your banking with another company. These guys don’t even know who the actual bank is that holds their customers money. I could have had my money 8 days ago. Makes no sense. Digital banking app, … Paper check? 🤨.Version: 2.1.0
✓ Average but 1% interest is goodI signed up for the 4% interest offer, which they’ve changed to only apply if you use the Debit card (previously it was based simply on depositing funds each month): irritatingly, they keep promoting this change as if they’ve done You the favor. No, it’s not a favor. I have no interest in using the debit card, it was very easy to earn the 4% before by simply making a deposit each month. Also, I wouldn’t trust them to cash checks - it’s best if you use your main checking account for that (for example, Chase, Bank of America, or whatever). I mobile banked a check from my other checking account and it was rejected for some odd reason. I noticed another reviewer specifying problems with check deposits too. Still, the 1% interest rate is good so I use it like a savings account instead of Marcus by Goldman Sachs which, at the time writing, is now paying 0.5% interest..Version: 1.5.0
✓ I would not recommend!!!I deposited a $475 check on November 28th, received an email on the 30th it had been accepted. Today in Dec 2nd I get a secure message stating that my check is being held to till the 9th because they have confidential information that the check will not be paid. I proceeded to then call the customer service number listed and I was assisted or attempted to be assisted by Edwin. All Edwin kept doing was reading the same response to me “I’m sorry our secure team currently has an investigation and this is part of the process,This doesn’t happen all the time but it does happen from sometimes, thank you for using Tmobile”. I then asked to speak to a manager. I has then helped by a cold woman by the name of Lisa. I explained to her how important it was for me to get that money for rent as father of four, especially during a pandemic as were getting ready to go down into another quarantine. My rent is due in three days I was depending on that money and now I have to pay additional charges for each day I do not have rent after the fifth and I will not have that money until the ninth. She also gave the I’m sorry, there is nothing we can do, l with a fake smile response. So all in all I now have to wait 13 days to receive my money and I spoke with the person who wrote me the check and they said the funds have already been taken out of their account.... Thank T-mobile, MERRY CHRISTMAS!!!.Version: 1.4.3
✓ Terrible experienceI was sold on the higher APR and opened a T-Mobile Money account online and deposited 3 checks from my employer during the enrollment process. Funds weren’t initially available given that I had just opened the account and I’m aware common banking process requires that they hold funds until the checks have cleared. A week later, still no funds and I receive an email that my account is under investigation. The following week, my account is closed with NO explanation. I’m told by their rep that my funds will be returned to me in the form of a check within 7-10 days. 2 weeks later, still no check. I’m then told that the funds were returned and I could deposit the original checks. I head over to the issuing bank to verify I’m able to deposit the checks and they indicate the funds were withdrawn by T-Mobile. Ugh! This all started in Oct 2019 and it’s now Feb 2020 and I still have yet to receive my funds. I highly suggest you go with a traditional bank, it’s not worth the hassle..Version: 1.3.4
✓ So much is wrongFirst of all, there should most definitely be an actual specialist that can actually handle, get in touch with those that handle checks for deposits. I’m on my 5th time submitting a money order , the cash amount is coming in too light and I’ve tried everything. (For the life of me I don’t see why they can just use the money order number to verify the actual amount) The bright camera light should be optional, if you have a bright light against a white image it just might come out light. You should be able to at least email those handling the checks instead of them sending the same automated message over and over. And if you had problems with a certain brand of money orders. Display that so people aren’t going out wasting time and money. The customer service is nice, calling them specialist is REALLY pushing it. They can’t do anything 😒 I don’t know wth else I can do. This is beyond frustrating.Version: 1.3.2
✓ If it sounds too good to be true…Avoid T Mobile!!I had mediocre hopes here. I never believe anyone that claims I will be paid up to 2 days early. Frankly, I don’t care to be paid early. What I do care about is being paid on time. Yet here I am, up at 4am (5 hours later than normal) now trying to figure out where my money is. So not only is the 2 days early a lie, but being paid on time is also a lie. Read the fine print here, and understand that the “365” service is a total lie! I now have to wait until 8am to speak to anyone that can help me. All the while, all of my auto payments will now bounce and have fines. After confirming with my company’s HR & payroll, the pay delay is 100% on T Mobile. While half my pay was in my Region account shortly after midnight, no one yet can seem to explain the missing check. So warning for all, if you actually need your check on pay day, go elsewhere. It’s not only not coming early here, but it is coming late. I will not only be closing the bank account, but I will now also be taking all 3 of my lines to AT&T. T Mobile is a scam of a company!.Version: 2.1.1
✓ This app is terrible and CSRs have no clue.I tried to deposit a check with the mobile check deposit and it was declined immediately. Stated “ Deposit Declined.” This was the first time I tried to deposit this check. Called customer service and they were not helpful at all. All they could tell me was that the deposit was under review. I was asked to give them until the next morning to finish the check review. I waited until 11:00am to check my account. Still no money. Called customer service again. I was told that the check was still under review. CSR asked me to reinstall the app and deposit the check again. Still same problem. CSR told me that I would have to wait until the check was out of review. Couldn’t even tell me how long that was going to take. I have bills to pay and I can’t even get money into my account. I have just closed my account and I’m going back to PayPal for my banking needs. At least they can give me my money immediately without my check going through a review..Version: 1.2
✓ Where is the accessibility???I don't understand for the life of me why when developers make apps they do not turn on or think about people who are visually impaired, etc.! You would think these days that will be one of the first implementations of making an app in the App Store… SMH! I've heard a lot of good things about this app but I cannot access it because the voiceover accessibility functionality is not totally supported! Please fix this issue ASAP because I would like to utilize the service as well as countless others were like myself! And if you are another developer reading this post please do the same for your apps to because it makes no sense nowadays for this to not be a functionality that should be Implemented on all apps and even games as well as Services!.Version: 1.2
✓ Too fussy over a mobile depositT-Mobile Money App from BankMobile rejected my check because while endorsing the back of a check I deposited I wrote “For Deposit Only” and left out “Mobile” out of the sentence, which according to them HAD TO BE SPELLED OUT “For Mobile Deposit Only”... c’mon people, I understand there have to be rules and regulations in place, and “a missing signature” would have been an understandable reason for rejection... but not the lack of the word “mobile”... I have been using Mobile Banking pretty much since it started allowing check deposits, and none of the banks I’ve dealt with ever rejected a check for not using specific wording. “For Deposit Only” of “For Electronic Deposit Only” or even leaving out the word “Only” has always worked... If it comes down to some logic... having an account in an online bank which promotes not needing brick and mortar locations it is implied that the deposits are “mobile” right? Leaving the word “Mobile” out of the endorsement of the check should not have been a reason for the bank to reject my deposit. SO, MY REVIEW: FIRST ATTEMPT TO MAKE A DEPOSIT WITH THIS PRODUCT: A TRAIN WRECK... A WASTE OF AN OTHERWISE PERFECTLY GOOD CHECK. /WN.Version: 1.3.4
✓ App doesn’t workI like the concept of TMobile money. After taking some time off after having my daughter I decided to go back to work 2 days a week. T mobile money was the only bank available to me that would not charge me a monthly fee (I have less than $500 coming in) for putting my money into a checking account. One downfall is depositing cash, but that’s not an Issue for me- I literally just needed a free way of making my employment checks usable “cash” and not be charged. The app in the other hand is horrible. These last few days it doesn’t load (I had my phone sit for 10 mins waiting for it to load and nothing) and you can’t access the website through a phone- it tells you the website doesn’t work with mobile devices. Very inconvenient to have to call and type in all my information to get my balance. Please fix and my rating would go up..Version: 1.2
✓ Closing my account!I’ve used T-Mobile money for a couple of years now, however, recently, they let 2 transactions for the exact same amount to process within minutes of each other. As soon as I noticed it, I contacted them and opened a dispute. Seven days later, and I haven’t received my provisional credit! Per their guidelines, they have up to 10 days to issue it, but they had no problem in giving my money to an obviously fraudulent transaction ! As soon as this is cleared up, I am closing this account. It makes no sense to me WHY their fraud software did not pick up on it. These were not small transactions. I’ve had quicker results disputing Cash App transactions than I’m having with this so called bank! I do not recommend this place to anyone! Unless you have money to just throw away!.Version: 1.4.5
✓ Really buggy, approach with cautionI’m a dedicated t-mobile service user, I was really amazed with the interest rate offering, but of course the rate is Actually based on transaction quotas and other caveats. Not likely that you will get the interest rate advertised. Also, doing a cash deposit required almost 4 dollars in fees. Do not base expectations on the marketing, you will be let down. When I tried to open the account neither the website nor app would work, repeated error messages of “try again later”, so I went to a brick-and-mortar and even then the agent said he was powerless to make the software work. Then, randomly, I received an email 2 days later that the account had actually opened and an ATM card sent out. That’s downright scary. I’ve tested the account now with small transfers, both have posted to my originating accounts and both have posted to the t-mobile account, but days have elapsed and the balance still appears as 0. Scary. Also, the service is not compatible with Zelle for digital transfers. The company does not appear to have a banking product that’s actually ready for public use. I’ve been on the phone with customer support more than a few times, which is of course offshore in the Philippines and getting competent and knowledgeable support has been very hit-or-miss. In summary: I expected the product to be better and more functional, I’m experimenting with several app based banking services, this one ranks unequivocally as the worst..Version: 1.7.0
✓ Changes made to earning 4%I’m a T Mobile customer and decided I would open the account for the 4% interest rate. At the time that I signed up you only needed to have a qualifying T-Mobile account, register your account and deposit $200 a month into the account to qualify for the 4%. In a matter of weeks they changed how to qualify for the 4%. Now you have to have 10 qualifying debit purchases each month instead of the $200 of direct deposit to get the 4%. I’m using this account a savings account and not as a checking account, so this is useless to me. It also takes almost a week for an external transfer to be added to the balance in the account. Because of these reasons I will be closing my account and moving my money somewhere else..Version: 1.5.0
✓ Use this as a savings accountIf you plan on using this like a regular debit card I do not recommend it. Again I DO NOT recommend! Depositing money into the account is a pain. So far it is taken almost 2 weeks for the money to transfer in from my other bank account. The worst part is that while it is transferring you do not have access to this money in either account! I am so glad I didn’t directly deposit my paycheck who knows how long that would have taken. Two weeks without access to my funds is ridiculous but if you’re trying to save money it’s actually a good thing. Just a warning for anybody who was thinking of using this as a second checking account like I was. They also give you an option to deposit money at stores like CVS and 7 eleven which might be faster (I’m not taking my chances though) but they charge a $4 convenience fee. So far using this card has been challenging however if you don’t need to use the card often just use it to save money this is a great option..Version: 1.2
✓ Great benefits but lack of supportT-Mobile Money has amazing benefits for an online bank. Even without the added benefits for being a T-Mobile customer you still get 1% on a checking account which is amazing. And if you are a T-Mobile customer you get 4% on the first 3k which is by far the best interest I’ve seen in any checking/savings account. The main issue I have with this account is that nowadays most services for budget tracking require access to your accounts and these services use a third party service like Plaid. The issue with the T-Mobile Money account is that it does not support Plaid. All other online banks have implemented Plaid support but this account still hasn’t done so since it released a few years ago. This is a needed feature that will make this account perfect, but until then it’s hard to convince people to make this one of their main accounts..Version: 1.7.0
✓ T-Mobile Money Customer Service is TERRIBLECustomer service gives what seems like completely automated responses and you can never get through to someone that will actually help you out (especially via messaging in the app). Also, T-Mobile claims to give you 4% interest back on $3k, but they don’t tell you that they will not only change the requirements for getting that 4%, but also cut off the date you have to make the minimum transactions by several days before the end of the month and the transactions won’t post for 2 days or more, so you likely won’t be getting 4% interest back on your $3k if you cut it close by any means. And there is NO tolerance or forgiveness for this. They don’t care about you as a customer at all, I’ve talked to many reps and only talked to people in Taiwan or similar that will give you a pre-written message to just about every concern..Version: 2.0.2
✓ Unable to move my money to external accountsI was really excited when I first open an account at T-Mobile. I have been using T-Mobile for a long time and don’t have any issue with them before. This is a totally different story… I moved some money from BoA to T-Mobile after I opened my account. After 2 months, I wanted to move the money back to my original BoA and it failed. I thought it was a one time issue but I was wrong. Every time I initiated the transfer, the record would disappear after a day like nothing happened. I called the customer services and it took them 3 weeks to investigate my case. After I followed up with them, they could not give me an answer and simply told me to remove the external account and add it back again. I did it and it was another nightmare. After I followed their instructions, I could not add my external account back. Tried multiple times…all failed so I called the customer service again. This time they asked me to uninstall and reinstall the app, even restart my phone. They also said that they saw a list of accounts under my external account section but I couldn’t see any of it. After trying all the methods they asked me to and nothing worked, the customer service said there is nothing they can do…they told me to use the ATM which I already told them that I don’t prefer this method to withdraw my money. I was so frustrated and it has been like this for months. I just want to transfer my money smoothly and safely..Version: 2.0.2
✓ Fussy App and recent Infinite Loading ScreensThe app has always been convenient for pulling up account information and keeping track of purchases, especially with the recent adding of push notifications. However, since yesterday or for a few days now, I keep encountering errors that force log me out—something along the lines of “object that relates to object can’t be found”—and I’ll lose my place in the app. That’s separate to simply switching to another app and then coming back, which I understand also has a very quick timeout compared to other banking apps. Today’s error is fatal tho, I cannot even access my account after logging in because the loading wheel spins forever with no change after at least 2 minutes. I still cannot access my account which is incredibly inconvenient given it’s the beginning of a new month and I have to keep track of this months bills I need to pay..Version: 1.5.3
✓ Great interest rateI was very excited when T-mobile started this. Opening an account was very easy and I love earning 4% on my money. The problem is trying to deposit checks or money orders in your account. Its an absolute nightmare. When I first opened my account, I deposited 3 western union money orders with no problem. Now I have tried to deposit postal and western union money orders and they are always declined. I called customer service because this is very frustrating for someone who gets paid with money orders. They told me they are having a problem with their mobile check deposit system and that I should link my other checking account and just transfer the money. I do not want two checking accounts. What would be the sense of that? I then tried to link my Paypal account and that’s not working either! I’m almost ready to give up with this, the interest rate is not worth the aggravation..Version: 1.2
✓ Great if you have direct depositI love almost everything about this account. The customer service is second to none, and the interest is incredible. Unfortunately my place of work does not do direct deposit, so I have to deposit through picture. Two paychecks in a row I have had to wait over a week to get my money. Being late on bills, having to pay late charges and returned payment charges is no fun. I’ve had to pay $200 in charges so far, and my current check still has not hit the account even though I deposited it Monday, so I’ll likely get another $50 late charge for my car payment, maybe another for the electric bill if the money doesn’t hit by the end of the day. If they would be better about depositing this way, like almost every other bank is, then it would easily be a 5 star account. Unfortunately it is far too unreliable for those without direct deposit, and can end up costing you far more than the interest is worth..Version: 1.2.1
✓ WAS a Great Interest Checking AccountOK well it’s still a decent checking account, but as of the end of March they make it much more difficult two continue the 4% interest on your $3000. I was happy to deposit $200 a month. Now They change that requirement to spending money on 10 purchases a month. This is fine if it’s the only card you have but I prefer making payments with a different card with cash back And saving my money to this account for a reasonable interest at least up to $3k. Finding10 things to purchase every month as a hassle and trying to keep track of that is even more of a hassle. Why can’t they just leave good things alone?.Version: 1.4.5
✓ Not a good investmentGreat at getting you hooked with the 4% return, after all the banks don’t even give you a 1% return on your money. It takes way too much time for transactions to show making it hard to keep track of things. I used the card to pay for a bill, they never sent the money causing a late fee which they obviously didn’t pay for. The rep from the customer service line said there was no such transaction although I kept telling her I could see the transaction on my mobile app. She said there was nothing that she could do and then I was more than welcome to send a screenshot via the text customer service option from the T-Mobile money app. How ridiculous! I pulled out all my money closed the account. Warning your money can go missing and they will not be of any service!.Version: 1.5.0
✓ Pretty Sure There’s Been a Data BreachT-Mobile Money is a great app that’s easy to use, with lots of benefits. The only shortcoming I can think of is that it has potentially allowed my personal information to be gathered by hackers. I’m on week two of usage, with a considerable (for me) balance in my accounts, and I received multiple unprompted login codes for the app, followed almost immediately by a notification from the credit bureaus that my phone number has been found on the dark web. Naturally, I’ve changed the password, but it’s rather disappointing that it has seemingly taken no time at all to be hacked while using this service, the only thing that I have changed regarding sensitive info recently. Hoping this isn’t the case, but if it is… I hope that T-Mobile’s cybersecurity gets a solid retooling..Version: 2.1.0
🙂 T-Mobile MONEY: Better Banking Positive Reviews
T-Mobile MONEY: Better Banking works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact T-Mobile MONEY: Better Banking.
⛔ T-Mobile MONEY: Better Banking Problems
