T-Mobile Money

"Finally, a bank account that puts you and your money first. Everyone earns 1.00% Annual Percentage Yield* (APY) on all balances. T-Mobile wireless customers with qualifying service who deposit at least $200 a month can earn 4.00% APY* on checking account balances up to $3,000."

"T-Mobile has partnered with BankMobile for its T-Mobile Money service, and the company says that your account is FDIC-insured up to $250,000."

$3000 at 4% gets you $120 a year pre-tax.