T-Mobile MONEY: Better Banking

I 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

It 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

I 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.

response required

If 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.

response required

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.