T-Mobile Money is poised to attract a strong user base because of its accessibility, affordability, and broad reach:
It offers a Mastercard-branded debit card that can be used with any major mobile wallet and at 55,000 BankMobile ATMs. The service is broadly available, but T-Mobile customers will get better benefits: a 4.00% annual percentage rate on deposits up to $3,000 compared with 1.00% for others, and overdraft protection up to $50.
T-Mobile Money is poised to attract a strong user base because of its accessibility, affordability, and broad reach — but it might not become customers' primary account. A quarter of US adults are un- or underbanked, which gives T-Mobile Money a large pool to draw from. But customers still value branches, which means the firm will have to incentivize users to make the account their main service.
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