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I’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.

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!!!

I 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.