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T-Bank partner program review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

T-Bank partner program is an easy-access savings account for anyone who wants a dollar pot with a $0 monthly fee and FDIC cover. Its rate is the trade-off: 0.75% sits under the 3.06% typical of savings listings here, so treat it as a parking place for cash.

Key facts

Best for
Parking US business cash in an easy-access account with a $0 monthly fee.
Headline rate
0.75%↗
Rate type
Variable↗
Minimum deposit
$0↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
No minimum balance to open; interest paid quarterly↗
Monthly fee
$0↗
Account kind
Easy access↗
Legal entity
T Bank, NA↗
Headquarters
United States↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
t.bank

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • A $0 monthly fee and a $0 minimum deposit, so holding cash costs nothing to run.
  • Money rests with a US bank under FDIC up to USD 250,000.
  • Support runs on phone, email and help centre, and the account is easy access for money that may be needed quickly.

Cons

  • The 0.75% rate is the weakest part: it places the account at 406 of 488 on headline rate here, and it is variable.
  • Interest is credited quarterly, so quick holders wait between credits. The opening terms read: No minimum balance to open; interest paid quarterly.
  • The bank sits in the United States, so it suits dollar balances rather than sterling or euro savings.
T-Bank partner program

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • US businesses that park working cash and need it back quickly.
  • Anyone who wants a savings account with a $0 monthly fee and a $0 minimum deposit.
  • Savers who treat the balance as storage rather than a return, given the 0.75% variable rate.

Who should look elsewhere

  • bunq, which advertises 3.01% on its savings balances.
  • Wise, where 3.29% pays more than the 0.75% here.
  • Finteres, whose savings rates run 0% to 36% and suit shoppers comparing on rate.

Safety of your money

Deposit protection on the account is FDIC up to USD 250,000. That is the whole safety story for money parked here: the cover stops at the stated ceiling, so any balance beyond it falls outside the scheme. Keep the working balance inside that limit. The rate you earn on top does not change what the protection covers.

Who runs it

The account is run by T Bank, NA, based in the United States. It is a US bank rather than a UK or European one, so the account suits dollar balances rather than sterling or euro savings. Help runs on phone, email and help centre, which means a phone call, an email or the help centre, with no live chat in the list.

How T-Bank partner program compares

Where T-Bank partner program is available

Available
United States
Licence in United States
FDIC, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What interest rate does it pay?+

The headline rate is 0.75% and it is a variable rate, which means the number can move with the bank's own pricing. Interest is credited quarterly, so a balance grows in steps rather than daily. Check the current rate before committing a larger sum.

Is there a monthly fee?+

There is no monthly charge: the monthly fee is $0 and the account runs as a no monthly fee product, so nothing is deducted each month. That makes it easy to compare the 0.75% you earn with accounts that charge for holding cash. The rate itself is variable.

How much do I need to open it?+

The minimum deposit is $0 and there is no minimum balance to open, per No minimum balance to open; interest paid quarterly, so you can start small and add later. Interest is paid quarterly, which suits a business keeping a working float.

Is my money protected?+

Yes, within the stated limit. Deposit protection on the account is FDIC up to USD 250,000, so eligible deposits are covered by the FDIC scheme up to that ceiling. Anything held beyond it sits outside that cover, which is worth checking against your balance.

Who runs the account?+

It is run by T Bank, NA, a bank headquartered in the United States. That makes it a US dollar product rather than a UK or European savings account, which matters if you hold sterling or euro cash. For a business operating in dollars, the domestic footing is an advantage.

How do I get help?+

Support runs on phone, email and help centre, so you can call, email or use the help centre. There is no live chat listed among the channels, so questions outside office hours wait for the phone or the inbox. Keeping entity details to hand makes those conversations quicker.

How does the rate compare with other savings?+

It sits at the lower end. On headline rate the account places 406 out of 488 brands here, against a 3.06% median for savings listings. bunq and Wise advertise higher rates, so the case for this account rests on the $0 monthly fee and easy access.

Sources

  • t.bank checked September 26, 2026

    Backs: Legal entity

    “© 2026 T Bank, NA, a Tectonic Financial, Inc. company”

  • t.bank/business-banking/savings checked September 26, 2026

    Backs: Access terms, Account kind, Deposit protection, Minimum deposit, Pricing model, Monthly fee, Licences

    “No minimum balance to open ... Interest paid quarterly”

  • t.bank/faqs checked September 26, 2026

    Backs: Headquarters, 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”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

T-Bank partner program

T-Bank partner program

Parking US business cash in an easy-access account with a $0 monthly fee.

9.1/10See alternatives