T-Mobile is now no longer just a phone carrier, but also a bank. Not just any bank though, one that puts mobile first and makes it easier than ever to manage your money simply from your phone. Anyone, current T-Mobile customer or not, is eligible to sign up for an account.

Here are the top four ways that T-Mobile MONEY could change your banking experiences forever.

Zero Overdraft Fees

In 2017, Americans paid a staggering $34 billion in overdraft fees. To help curb that number, T-Mobile MONEY is offering zero overdraft fees up to $50.

Everything You Need from a Bank at Your Fingertips

Within the app, customers will be able to make mobile check deposits, send checks, pay bills, pay using a mobile wallet (such as Apple Pay or Google Pay), transfer money and even make payments directly person-to-person.

Up to Four Percent APY

Customers will earn an unprecedented four percent Annual Percentage Yield (APY) on balances up to $3,000 and one percent APY for ever dollar after. For those looking to make money from their savings in a low-risk way, this is the perfect solution.

Access to Thousands of Free ATMs

The T-Mobile MONEY Mastercard debit card can be used at more than 55,000 Allpoint ATMs worldwide completely free of charge. The app even comes with a built-in ATM finder so no more wandering around unfamiliar streets looking for one.

The app will be easy to navigate and feature a sleek design.

To get started, simply download the T-Mobile MONEY app and set-up your account directly from your phone.