- 96.0LEGITIMACY SCORE
- 96.5SAFETY SCORE
- 4+CONTENT RATING
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T-Mobile MONEY: Better Banking App User Positive Comments 2024
T-Mobile MONEY: Better Banking app received 25 positive comments and reviews by users. Can you share your positive thoughts about t-mobile money: better banking?
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T-Mobile MONEY: Better Banking for Positive User Reviews
✓ A banking experience for millennialsBanking with t-mobile money feels very different from one of these old traditional banks like JPMorgan Chase or Bank of America. When using t-mobile money, you feel like the whole app experience is very informal, yet precisely engineered to be gratifying. This is in stark contrast to the more established banks, where everything feels more subdued and nuanced. It's like the difference between the extravagant and catchy nouveau riche and the reserved old money. Whether or not this is a good thing or not is entirely a matter of personal preference; the best short way to summarize it is perhaps that t-mobile money has a more millennial feel..Version: 1.2
✓ Love this account!I reluctantly decided to start using T-Mobile Money for my new checking account and I was impressed when they immediately offered me the 4.0% APR but then after using my card for just 10 transactions I also unlocked the $50 Got Your Back overdraft coverage feature and I thought that it honestly wouldn’t work since I haven’t been offered overdraft service due to my credit score in a very long time but it worked for me and now it’s unlocked permanently! I don’t have to continue to make 10 purchases with my card every month, it was just automatically unlocked after the first 10! I love the app, easy to use and seems very secure to me! I will be sticking with T-Mobile Money!.Version: 3.0.0
✓ Simple to use but with some drawbacksVery simple to use. However using the account does have a few drawbacks. They don't bother me since I'm using it as a place to hold money I plan on saving/investing. First drawback, transfers from external accounts take 4-5 days to process. For example, a transfer I did over the weekend will take till Wednesday/Thursday to process while a transfer in today won't post until the 18th/19th. In banking terms, that's essentially week. Why is it so hard to transfer cash from one account to another? Second, there isn't an option to deposit cash into the account at any of its ATMs. You can only withdraw money but never put money in. Perhaps that'll be a feature they add later. Let's hope so..Version: 1.1.4
✓ It’s a decent bankLike honestly I’ve had issues with some banks like Chase is not that great so Wells Fargo sucked so I decided to try the T-Mobile money one being affected I have my T-Mobile account in order to be able to even do it I like the fact that it’s all digital like there’s no like real bank to do stuff at and the app works really well like their prompt there courteous their customer service is always been extremely helpful accidentally locked my Account and within the same day they were able to help me get back into it and everything is cool they’re very helpful they’re extremely friendly and I seriously can’t say more like I don’t think I’ll deal with any other bank as long as they’re a bank like they rock 4% interest on any amount in your account if you hit a certain amount of transactions to get your perk overdraft protection up to 50 bucks with no fee as long as you fix it by the end of that calendar month it’s awesome it’s so much better than everybody else.Version: 2.2.0
✓ Great interest and no feesI switched to T-Mobile money after my business had to bankrupt. The other banks wanted to start charging me for my checking account but T-Mobile had no problem with it and it turned out that their perks were better than Wells Fargo and Bank of America anyways. The only downside I’ve found so far is that if there is any abnormality on the check you’re depositing or it is difficult to read, they tend to reject it outright and it’s difficult to get someone to review it. But that’s pretty minor..Version: 1.5.2
✓ Totally Terrific T-Mobile Money!!It comes down to a simple matter of math: Where else in the country can you get 4% interest on balances less than $3,001? Answer? No where that I’m aware of! So TMM is a great place to park extra cash and arguably a great place to also use as your main account to pay bills - since while your money sits it’s earning a great interest rate as long as your discipline yourself to perform ten debit card transactions. That’s easy, in today’s no cash world. Since May of 2020? I’ve earned over a hundred bucks in interest. For most other interest earning accounts I would have earned very close to diddly squat!!! It’s my favorite “banking” account!.Version: 1.7.0
✓ Early 2 day deposit, but need to put alerts on activities.I’m a T Mobile wireless customer, since the inception of T-Mobile Money I opened an account because of the convenience to use to pay my wireless bill, it didn’t offer early direct deposit until recently which I didn’t used frequently. So, I decided to switch my Varo account for almost 2 years to my T-Mobile Money as my primary account over the summer to give a chance of the experience the early direct deposit which I got it yesterday, but it would be helpful to put alerts on every activity and transactions to better enhance the service..Version: 1.4.2
✓ Pretty great—but options to unlock 4% would be betterI can’t complain about this account or service. I have used it since the beginning—when you needed a $200 monthly deposit to earn the top interest rate. I would rate this 5 stars if there was at least one more way to get the 4% bonus, preferably multiple ways. For example: 10 debit card transactions; OR $200 monthly increase in account balance; OR average daily balance of $5000; etc. As is I will keep using it, but there’s a bit of room for improvement while still giving the bank and t-mobile what they need to make this work..Version: 1.5.3
✓ Would definitely recommend. For cellphone service, too!Everyone I’ve spoken with has been very nice, understanding (with the current COVID-19 pandemic), and helpful. I had an identity theft scare and T-Mobile Money was fast to secure my account so that my money was protected, as well as my identity & SSN. I received my new debit card in about 5 days. One of the cool perks is if you meet the requirements, you get 4% interest on your balance, as well as the bank having your back -$50. If you have a rough two weeks, and need a few groceries before next payday, T-Mobile has your back...no overdraft fees, and no interest stacked on it. If you’re looking for a back that truly cares, give this one a try..Version: 1.4.1
✓ “Time Will Tell”I’ve had 2 bank accounts at 2 different banks for about 8 months now! I’m having issues with both of them! I recently switched from MetroPCS to T-Mobile!!! (I know they are owned by the same entity-company) T-Mobile has some perks that Metro didn’t! So I checked them out and low and behold they have a bank of there own! So I started yet another account with a 3rd bank! I received my card in about a week and have not had one issue in 6 months! I love your commitment to your customers with little to no interaction! I love your company’s efficiency & excellence of satisfaction! Now my peace-of-mind and life runs smoothly again! Thank you!.Version: 1.5.3
✓ Great service and appTheir benefits are great! There’s no hidden fees and the interest-rate is great! I have both a savings and checking account with them and the interface of the app is easy to transfer between both. Their customer support is superior and I’ve always been helped with what I needed in a timely manner. Like I said the layout of the app is great, everything is user-friendly and organized well. They have lots of free ATMs around the country and this is a hassle and stress free banking service. I use this for almost all the financial parts of my life. couldn’t recommend more!.Version: 2.0.2
✓ 100% best bank I’ve ever used!This bank is absolutely the best I’ve ever used. It gives me help when I need it most during a time of struggle by not charging me ridiculous fees for every single thing. Example, we’ve got your back benefits, allow you to spend $50 over what you have in your account, free of charge. So if I am struggling with $0 in my account, and I have no gas, but I also have a bill to pay for say, $35. I can pay that bill, & still go spend $15 at a gas station in two seperate overdraft charges and t-mobile won’t charge me a dime over that $50 when I get a deposit into my account. & I can do that over and over and they have my back every time with no hidden fees! It’s been a life saver during these uncertain times!.Version: 1.7.0
✓ Love my T-mobile money... so far .I started my account with T-mobile money a little over a 1 week ago with $3000. I got $3.22 on interest today, 02-01. This is wayyyyy more of what I get with my other checking account that I have with my other bank. T-mobile money is paying 1% on the $3.22 interest I got today 😱!! . I am planning on keep depositing $200 each month, so I can meet that requirements and keep getting my 4% on my $3000, and 1% on anything over it. I know everybody’s situation is different, but this works well for us. This is money that I don’t really need, so I am no going to use it. There are banks out there that will give you bonuses for opening checking account with them. Some require a direct deposit, a minimum per month to avoid paying maintenance fees, and the account need to stay open for some time or you will have to pay a penalty for closing your account early. There are many ways to make extra money, but you need to do your homework and do some research first..Version: 1.3.3
✓ Can’t log in.The first time I download this app everything worked fine but it’s been downhill so far. It’s suppose to log me in with Face ID but that seems to never work. When it comes to sign in manually the floating keyboard doesn’t come up. I have to close and reopen the app over and over to get it to log me in and 9 out of 10 I still don’t get the floating keyboard popping up. I keep pressing the space to log in and it’s as though the screen is frozen just no response. However if I press the option for forget password and I don’t have a T-Mobile money account those options always work. This app is trash and as soon as it will allow me to log in I’ll probably take all my money out. The app is really bad. It’s by far the worst banking app I’ve ever used. What good is a mobile banking app if you’re unable to login to the account. Pathetic..Version: 1.2
✓ Only the best app out there.I aggressively invest most of my money, and my ticket combo is to have my this earning the 4% APY (paid out monthly based on average daily) on my uninvested balances, (the checking account that this app provides) which I never have more than $3000 uninvested. Combined with Apple Card giving me great cash back on purchases means I’m earning on money I spend AND money I don’t. Customer support and ease of use is stellar, the card can be remotely locked and unlocked quickly and simply; tap of a button. I need this as a frequent wallet misplacer. I have yet to see anything close to this amount of APY on any balance anywhere for a checking or savings account. No annual fee. This app really is unparalleled..Version: 1.2.1
✓ Why choose T-Money?Do you like your bank, or at the very least, tolerate them? Especially with their novel size book of fees, high interest rates and very little return on YOUR money that they use to make windfall profits... Well, I’m here to give you some examples of my experience with T-Money. $50 protection overcharge security with no penalty! My other bank charged $35 for an overdraft and the customer service was far less than stellar. I also receive the 4% return on my account up to $4000. And when I had a mixup with one of my mobile deposits, the staff was kind, courteous and genuinely helpful in resolving it. These are just but a few perks I’ve received and appreciated since switching over. Because of the attentiveness they provided, I tell my family and friends every chance I get to switch over and enjoy their money instead of their fee/interest hungry banks that they currently do business with. Keep up the great work T-Money....Version: 1.3.4
✓ Surprising and EnjoyableI’ll be honest, when I first saw T-Mobile Money, I just thought it was suspicious to have an account that offered interest like a money market account with no withdrawal limits, no service fees, no minimum balance, and generally deposits ACH’s 2 days early? It all sounded too good to be true, but after dedicating to it and transferring over the bulk of my funds from other banks, I’ve thoroughly enjoyed this account and heavily recommend it to people! Yes it’s a shame there’s no proper physical location for quick deposits and withdrawals, but I haven’t had any issues thus far using the alternative deposit methods..Version: 3.0.3
✓ Quick and seamless bank account openingRecently opened a T-mobile Money bank account for the 4%APY interest rate and overdraft protection. The app was great, eye catching colors and very seamless to open my bank account in minutes, fastest I’ve ever experienced from the privacy of my own home and own time without having to visit a bank branch. I’m looking forward to receiving my debit card so I don’t have to pay the ridiculous ATM service charges, they really add up when on a budget! I’m excited to use the app and get to learn about all its bells and whistles. So far so good and haven’t experienced any bugs..Version: 1.1.2
✓ Fatal flaw not fixedThey have not even tested their own app functions before releasing them on unsuspecting account holders to which they have fiduciary duty. I just now attempted 40 times to set an automatic recurring house payment where each date was rejected for being a weekend whether I changed the year, month, or day. They need to test the app and lighten up on the validation—make sure they have thought about each possible situation before blocking a transaction setting. A banking app is not allowed to have a fatal flaw, because it affects your finances and your life. The app warns you to deposit money the same day to bring your balance over $0, and asks if you are doing it now, but then provides no function to do that. All deposit methods given take several days to post. Good things: Smooth processes otherwise. Nice to have your banking in an app without having to register separately. $10 per month interest if you have T-Mobile service and keep $3000 deposited. T-Mobile also lets you have freebies in the T-Mobile Tuesday’s program. 0% interest on phones. And flat-rate unlimited data plans. A great Invitation to have a buffer. Not only do you get charged no over-draft fees, but also you rarely overdraft at all, because when you accept the invitation to have a buffer (or reservoir, or reserve), and keep $3000 in the account (or any smaller or larger amount), then you rarely have any accidental overdrafts..Version: 1.3.3
✓ InconveniencedI’m enjoying the fact that I do not have to go to a bank. I used to have Direct Deposit but after personal issues, i was not going to work , therefore I didn’t get paid so I wouldn’t get direct deposit so they closed my account. Now I’m too busy raising my 3 grand babies who have ADHD (All 3 of them). There is no way I will go into a bank with all 3 and I have minimal help. With that being said, there should be the option to deposit money at the ATMs that we can use to withdraw money or after depositing 1 or 2 checks (via mobile picture) we should not have to wait 3 days. We have bills and mortgage/rent to pay and they are not going to wait for your hold. But mostly my 4 stars are because of no deposit over ATM..Version: 1.2.1
✓ Great account with some issuesIt’s a great account for saving and purchases. However, the main caveat being mobile check deposit. So 225 is available the 2cnd business after deposit. However the remainder is only available after another 5 like it’s still the pony express going to physically clear the check. This is a quite long in todays banking world. Otherwise no issues but if you do even a few mobile check deposits keep this in mind. Also the system is very sensitive where it will reject a check if even the slightest mark is made on it and not perfect handwriting. Customer service can’t do anything about it, override or help with that. So you need a whole new check.Version: 2.0.2
✓ Great needs some workI love the card and the perks. Customer service that needs some work. The people are the most knowledgeable or they just don’t understand what you are asking. It took them about 45mins for the one guy to understand that I needed my pin reset because it was locked out. He had me rerouted to two different people trying to reset the pin to into my T-Mobile account..another time I asked how long does it take for a paper check to get deposited if I take a picture of it. She kept telling me about direct deposit... when I first got it the automated system was hard to understand but that has been fixed. So I do believe that these issues will get resolved. I do recommend this card people I know who have T-Mobile accounts. I love the overdraft protection it definitely has saved me a few times.. and I have never earned interest on anything so that is always really nice to see.. I have been with T-Mobile for almost 6 years and I have to say they do keep getting better and better, they have help me so much.. thank you T-Mobile for being a great company.Version: 1.3.0
✓ Easy and simple process so farIt was easy to sign up as the info in my T-Mobile account is basically moved over so I really didn’t have to enter much. Just make sure you update your address with T-Mobile before you start, if it’s not correct. There’s a waiting period before your account is actually active. After signing up I waited about four hours or so then got an email that I was able to login and finish setting up my account. Took about 10 minutes to finish setting up and it does look like TouchID/FaceID can be enabled but I haven’t been able to use it yet. During setup the app became very sluggish and my phone started to heat up. I had to quit the app and reopen and it seems to be fine now. Logging in uses your T-Mobile credentials which is a bit of a security concern. If you’re sharing your password for some reason, might want to change your password and stop sharing. Linking to another account is easy and takes 2–3 days to complete since you have to confirm the amount of two small deposits to confirm you have access to the account before you start transferring money from it. One issue I had was my bank couldn’t find/confirm the routing number for T-Mobile Money. Later I’ll update with: When I get my card and how easy it is to activate How long it takes to transfer money to or from Address any issues or bugs.Version: 1.1.2
✓ Thank you, TMobile Money!So, my friend recommended me this app and the first time he got his first interest it convinced me to sign up & use Tmobile Money as well & since I keep cash at home and it’s just been sitting there without an interest, why not put in the bank, right? It didn’t take me that long to sign up & I have never had a problem with the app. The first transfer took a long time but I didn’t mind. If you transfer money, it will takes 4-5 business days. Don’t get this bank if you’re a very impatient person or if you need to use the money right away. Anyway, It’s only been 3 mos since I’ve signed up and I already earned almost $20 interest. How great is that? I’ve been with Wells Fargo for 5 yrs and I’ve only earned not even a $5 interest..Version: 1.2.1
✓ Really good (almost great) checking accountA fantastic interest rate, light requirements for earning said interest rate and easy integration with Apple Pay/Google Wallet all serve to make this a really solid mobile banking service. I just wish that they could integrate with Mint (the budgeting app/website from Intuit). I use Mint to track every other of my bank accounts and credit cards and I have never failed to connect any of them before T-mobile. Apparently they used to be able to connect to Mint, but some update about a year ago ended that. If they could fix that issue I would easily bump this up to 5 stars..Version: 1.5.0
😕 T-Mobile MONEY: Better Banking Negative Reviews
