An in depth piece in The Financial Brand focuses on the new bank account offering from T-Mobile; called T-Mobile Money the new account, offered in partnership with BankMobile, offers consumers 4% interest on balances up to $3,000 and 1% of balances above that, although to get that highest rate you have to be a T-Mobile customer; these are mobile-based accounts that are open to everyone, not just T-Mobile customers; they also provide overdraft protection of up to $50 without any fee, as long as the balance is restored within 30 days. Source.