T-Mobile's banking app is available across the US.

T-Mobile is bringing its mobile banking app to the entire US.

The banking app, which is called T-Mobile Money, started as a pilot program in November.

It has no fees for overdrafts and offers access to 55,000 no-fee ATMs.

T-Mobile's customers can get 4% annual percentage yield on balances of up to $3,000 as long they deposit at least $200 each month. That drops to 1% on every dollar above $3,000.

Customers can also opt-in to its "Got Your Back" overdraft protection, which lets you overdraw up to $50 without incurring penalties as long as bring the account back to a positive balance within 30 days.

Accounts are insured by the Federal Deposit Insurance Corporation.

T-Mobile partnered with BankMobile, which is a division of Customers Bank, to set up the service, which will expand to Puerto Rico later in the year. Accounts come with a Mastercard debit card.

"Traditional banks aren't mobile-first, and they're definitely not customer-first. As more and more people use their smartphones to manage money, we saw an opportunity to address another customer pain point," John Legere, T-Mobile's CEO, said in a release.

T-Mobile previously took a shot at the banking market in 2014, when it rolled out Mobile Money as a way for people without bank accounts to store and get to their money. That service ended  in 2016.

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