Plus, customers can get access to their tax refund faster than a traditional paper check refund. It’s free, fast and a more secure - and more lucrative - way to get your tax refund this year.

The Mobile Money tax offer begins January 14 and runs through April 30, 2015.

There are nearly 68 million “under-banked” people in the U.S. who could be paying upwards of $1,000* in annual fees just to access their own money. On average, Mobile Money saves each customer enough in check cashing fees to pay their monthly wireless bill for an entire year.

Background: T-Mobile introduced Mobile Money in January 2014 to free customers from traditional banking and check cashing fees. The T-Mobile Visa Prepaid Card works like a debit card, with a smartphone app to check your account balance. There are no credit checks and no minimum account balances if you are a T-Mobile customer. Additionally, there are no withdrawal fees at a network of more than 42,000 ATMs, no monthly maintenance fees, no reload fees in T-Mobile stores and no fees to use your T-Mobile Visa Prepaid Card.

*Based on 3% check-cashing fee imposed on the median annual household income (as calculated by the 2013 U.S. Census) multiplied over 30-year career.

T-Mobile plan & card registration required for full benefits and reduced fees. ATMs used outside of T-Mobile’s partner network are subject to fees. $20 credit offer expires 4/30/15; subject to change. Qual’g T-Mobile service & registered card with direct deposit of federal tax refund req’d. Limit 1 credit per eligible account; allow up to 8 weeks from refund receipt to process. The T-Mobile Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC. Distributed and serviced by Blackhawk Network California, Inc.