T-Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Business owners can pick the T-Bank partner program for an everyday account with a monthly fee of $0 and deposit protection of FDIC up to USD 250,000. The headline rate of 0.75% sits below the business median of 3.5%, so it reads as cash rather than savings.
Key facts
- Best for
- Business banking with a monthly fee of $0 and insured deposits.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Local account details
- Us-ACH↗
- Legal entity
- T Bank, NA↗
- Headquarters
- United States↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- t.bank
Savings
- Headline rate
- 0.75%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- No minimum balance to open; interest paid quarterly↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- Minimum deposit of $0 on the savings account, with no minimum balance to open and interest paid quarterly.
- Deposit protection of FDIC up to USD 250,000, under supervision by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation.
- Free ATM withdrawals on the everyday account, as do 52.9% of brands compared here.
Cons
- The headline rate of 0.75% sits well below the business median of 3.5%.
- The rate is variable and the balance is easy access (easy access), so there is no term to lock the headline rate in.
- Payments run on us ach, which suits a business paying in its home market rather than one trading across borders.
Who it suits
- Firms paying staff and suppliers over us ach in their home market.
- Businesses opening a savings balance with a minimum deposit of $0 and easy access terms.
- Readers who put a bank relationship and deposit protection of FDIC up to USD 250,000 above the rate on offer.
Who should look elsewhere
- Readers chasing the highest savings rate, since the 0.75% headline sits below the business median of 3.5%.
- Readers who bank in euro: Plazo ES charges a monthly fee of €0, the same as here, so the market differs, not the cost.
- Anyone after a personal account rather than a business one, as the program targets business customers.
Rates and card terms
The headline rate of 0.75% is set on a variable basis, so it moves with the bank instead of being fixed for a term. Business accounts compared on VaultCue carry a median headline rate of 3.5%, and this one sits well below that. Treat the balance as cash management rather than a growth pot.
The company behind it
The partner program is run by T Bank, NA, which is headquartered in the US and is supervised there by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. Support runs on phone, email and help centre, so phone, email and a help centre are all available.
How T-Bank compares
9.2 vs 8.7
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9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0Readers wanting a different provider can weigh its monthly fee of €0 against the fee charged here.
9.2 vs 8.7
9.2 vs 9.5
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9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
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9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where T-Bank is available
- Available
- United States
- Licence in United States
- Federal Deposit Insurance Corporation (FDIC), checked September 26, 2026
- Licence in United States
- Office of the Comptroller of the Currency (OCC), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to run the T-Bank partner program?+
The everyday account carries a monthly fee of $0, and the savings side asks for a minimum deposit of $0. Interest on the savings balance is paid quarterly and there is no minimum balance needed to open it, so running costs stay low for a business account.
Is the money in this account protected?+
Deposits sit with T Bank, NA in the US and carry deposit protection of FDIC up to USD 250,000. The bank is supervised by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation, which makes this a bank relationship rather than a prepaid balance.
What interest do I earn, and can it change?+
The headline rate is 0.75% and it is variable, so it can move with the bank. The account is easy access (easy access), so the balance is not tied to a term and the published rate is a starting point rather than a locked return.
Who is this account aimed at?+
The partner program is built for business customers, and the easy access easy access setup suits firms that need to move money in and out without notice. Anyone mainly chasing the highest headline rate will find 0.75% modest next to the field.
How do money and payments move on the account?+
Payments run on us ach, the domestic rail for US business banking, and cash withdrawals at ATMs are free on the everyday account. The savings balance is easy access, so funds can be taken out without giving notice in advance, and only a minimum deposit of $0 is needed to start.
How does it compare on fees?+
T-Bank partner program charges a monthly fee of $0. Plazo ES charges €0, Skrill charges €0 and Paysera charges €0, so monthly cost alone is not the deciding factor between these options.
Sources
- t.bank checked September 26, 2026
Backs: Audience, Deposit protection, Legal entity, Licences
“Capital that moves at the speed of your business.”
- t.bank/business-banking/savings checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
“No minimum balance to open ... Interest paid quarterly”
- t.bank/faqs checked September 26, 2026
Backs: Headquarters, Local account details, Support channels
“T Bank, NA Attention: Deposit Operations 16200 Dallas Parkway, Suite 190 Dallas, TX 75248”
- t.bank/home/current-rates checked September 26, 2026
Backs: Headline rate, Rate type
“T Savings ** Annual Percentage Yield (APY) Average Balance 0.75% ... ** Variable Rate APY effective September 26, 2026”
- t.bank/personal-banking/personal-banking-personal-checking checked September 26, 2026
Backs: Features, Pricing model, Monthly fee
“With unlimited ATM rebates, no hidden charges, and free digital banking”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee, Currencies.