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ɧ����Ƶ + Openbank Savings is an offer available through a partnership between ɧ����Ƶ and Openbank.¹ If you qualify, you may receive exclusive ɧ����Ƶ + Openbank Bill Credit(s) on your ɧ����Ƶ bill. Your bill credit is based on the savings account’s monthly daily average balance. Up to 2 ɧ����Ƶ Bill Credits can be earned per month, per ɧ����Ƶ mobile account through this offer. This offer is for 12 consecutive months.²

Good to know: You can take advantage of the ɧ����Ƶ + Openbank Bill Credit(s) with what you may earn today with ɧ����Ƶ’s Auto Pay discounts.

¹ Openbank is a division of Santander Bank, N.A. Member FDIC. ɧ����Ƶ and its affiliates are not FDIC insured institutions. All deposits are held at Santander Bank, N.A.
² Eligible customers must have a mobile telephone number associated with a post-paid consumer wireless account offered by ɧ����Ƶ within the United States (the “ɧ����Ƶ Account”). To receive a credit on your ɧ����Ƶ bill (the “ɧ����Ƶ + Openbank Bill Credit”), you must submit an application for an Openbank high yield savings account (the “Deposit Account”) using the application link provided on ɧ����Ƶ’s website or mobile app. You will be eligible for a ɧ����Ƶ + Openbank Bill Credit for up to 12 months from the time you open a Deposit Account. ɧ����Ƶ Bill Credits are based on monthly average daily balance, as calculated by Openbank: $5 for qualifying balances between $1,000 and $9,999.99; $10 for qualifying balances between $10,000 and $29,999.99; and $15 for qualifying balances over $30,000. Up to two ɧ����Ƶ + Openbank Bill Credits per ɧ����Ƶ Account. If you qualify for a ɧ����Ƶ + Openbank Bill Credit, it will be applied to your ɧ����Ƶ bill beginning within 2-3 ɧ����Ƶ bill cycles following the issuance of your initial Deposit Account statement. ɧ����Ƶ is solely responsible for applying the ɧ����Ƶ Bill Credit based on Deposit Account balance information provided by Openbank.

Openbank is a division of Santander Bank, N.A. Openbank combines the best of digital banking innovation with the stability and security of a large national bank to deliver a seamless and powerful digital banking experience.

Since Openbank is a digital bank, there are no branch locations. All Openbank high-yield savings accounts are accessible only through the Openbank app. To manage your account, you’ll have to download the Openbank app.

To be eligible for the ɧ����Ƶ + Openbank Savings offer, you must have a ɧ����Ƶ mobile account and also become an Openbank customer. Up to 2 ɧ����Ƶ lines per mobile bill are eligible for the bill credit. Each ɧ����Ƶ line requires individual login credentials.

ɧ����Ƶ’s eligibility requirements:

• ɧ����Ƶ standard monthly account with up to 12 phone lines maximum (depending on your plan).
• 5G Home Internet or LTE Home Internet account.

You’re not eligible for the ɧ����Ƶ + Openbank Savings offer if:

• You have a ɧ����Ƶ Prepaid account or ɧ����Ƶ mobile Business account.
• You have a ɧ����Ƶ Fios or Fios Business account.

Openbank's eligibility requirements:

1. When you're ready to apply, you'll need a minimum initial deposit of $500 to open a high-yield savings account with Openbank.
2. After account approval, make sure to download the Openbank mobile app from the app store on your smartphone or tablet. Learn more about downloading the Openbank app.

For complete eligibility rules for high-yield savings account at Openbank visit . See the Openbank account application for additional requirements.*

Important: If you already have an existing High Yield Savings account at Openbank, you aren't required to close that account to participate in ɧ����Ƶ + Openbank Savings. You must be an existing ɧ����Ƶ Mobile customer and sign up on the ɧ����Ƶ + Openbank page for ɧ����Ƶ Bill Credit eligibility.

*The Openbank high-yield savings account is a variable-rate account and the rate applicable may change at any time without notice. Availability for this product will be based on the residential zip code entered when an account is opened within the online application process. Offer subject to change or cancellation at any time without notice. All account applications are subject to approval by Openbank.

No, pre-existing Openbank accounts don't qualify for the ɧ����Ƶ Bill Credit. You must open a new Openbank account through the ɧ����Ƶ + Openbank page on ɧ����Ƶ’s website or mobile app.

Important: If you already have an existing High Yield Savings account at Openbank, you aren’t required to close that account to participate in ɧ����Ƶ + Openbank Savings.

You can only have 1 high-yield savings account with Openbank that is eligible for the ɧ����Ƶ + Openbank Savings offer in your name. If you already have an existing High Yield Savings account at Openbank, you aren't required to close that account to participate. You may also be added to another account in ɧ����Ƶ + Openbank Savings as a joint account holder.

Participating in ɧ����Ƶ + Openbank Savings may make you eligible for a monthly ɧ����Ƶ Bill Credit on your ɧ����Ƶ mobile bill. The ɧ����Ƶ Bill Credit will appear on your monthly ɧ����Ƶ statement as ɧ����Ƶ Openbank Bill Credit. 2 ɧ����Ƶ lines per mobile bill are eligible for the ɧ����Ƶ Bill Credit.

The ɧ����Ƶ Bill Credit will be applied within 2 or 3 billing cycles of meeting the eligibility requirements for the offer.

The ɧ����Ƶ + Openbank Bill Credit is based on the monthly average daily balance of your high-yield savings account with Openbank and can range between $5, $10 or $15 a month according to the following:

• Get up to $60/year ($5/month) in ɧ����Ƶ Bill Credits if your monthly average daily balance is between $1,000 and $9,999.99. Offer valid for up to 12 consecutive months from the date you open the account.
• Get up to $120/year ($10/month) in ɧ����Ƶ Bill Credits if your monthly average daily balance is between $10,000 and $29,999.99. Offer valid for up to 12 consecutive months from the date you open the account.
• Get up to $180/year ($15/month) in ɧ����Ƶ Bill Credits if your monthly average daily balance is $30,000 or more. Offer valid for up to 12 consecutive months from the date you open the account.

If you add a joint account owner to your high-yield savings account at Openbank, only the primary account holder will be eligible for the ɧ����Ƶ Bill Credit.

Your ɧ����Ƶ Bill Credit is calculated by Openbank using the monthly average daily account balance. The ɧ����Ƶ Bill Credit should be applied in 2 or 3 billing cycles after funding your high-yield savings account at Openbank with the minimum balance required to earn the bill credit.

Up to 2 ɧ����Ƶ lines per mobile account are eligible for the ɧ����Ƶ Bill Credit. Each line needs to use their individual login for ɧ����Ƶ to sign up for ɧ����Ƶ + Openbank Savings.

Visit website for more details on account balance information.

The monthly average daily balance is the average amount in your account over the statement period. It is calculated by adding up the balance for each day of the month and dividing by the number of days in your ɧ����Ƶ + Openbank Savings statement period. New deposits are reflected in your monthly average daily balance as soon as Openbank receives your deposit.

Once you've signed up for ɧ����Ƶ + Openbank Savings, and the account is fully funded, you can find your ɧ����Ƶ Bill Credit by viewing your monthly ɧ����Ƶ statement. The ɧ����Ƶ Bill Credit will appear on your monthly ɧ����Ƶ statement as ɧ����Ƶ Openbank Bill Credit.

Here’s how to find it:

1. Visit to see your bill.
2. Select Review history in Bill history.
3. Review the bill you would like to see in the Bill summary.
4. Your bill credit appears as ɧ����Ƶ Openbank Bill Credit, under the line change section on your bill.

High-yield savings accounts are interest-bearing savings accounts. They can offer higher interest rates than the national average of standard savings accounts. Openbank is a division of Santander Bank, N.A., which is a member of the FDIC.

High-yield savings accounts created through participation in ɧ����Ƶ + Openbank Savings are FDIC insured up to the standard maximum deposit insurance amount of $250,000 per depositor, per ownership category. Deposits at Santander Bank and its Openbank division are combined for FDIC purposes and aren’t separately insured. For more information about FDIC deposit insurance, visit the .

Important: High-yield savings accounts at Openbank are intended for accumulating savings and don’t include checks or debit card functionality.

Openbank offers a top-tier annual percentage yield (APY) and is FDIC-insured. In addition, this offer from ɧ����Ƶ + Openbank Savings gives you exclusive ɧ����Ƶ Bill Credits.

If your Openbank account balance falls below the monthly average daily balance required, you won't receive the bill credit for the month. This may not be reflected on your ɧ����Ƶ mobile bill in the same month your account is below the average daily balance required. It may take an additional ɧ����Ƶ + Openbank Savings billing cycle to reflect the change of the ɧ����Ƶ Openbank Bill Credit on your ɧ����Ƶ mobile bill.

Yes, FDIC (Federal Deposit Insurance Corporation) insurance is a federally backed deposit insurance fund that protects any insured account against loss due to bank failure. Under the FDIC, the standard coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category (e.g., single, joint, trust, business, etc.).

Since Openbank is a division of Santander Bank, N.A., which is a member of the FDIC, your account would be protected – subject to the limitations referenced above.

Important: Any insured deposits at Openbank combine with your insured deposits at Santander Bank, N.A. (per owner, per ownership category) to calculate your total insurable deposits.

Learn more about

The ɧ����Ƶ + Openbank Bill Credit is a 12-month offer. We may extend eligibility regarding different tiers for an additional time period. Look out for an email from ɧ����Ƶ confirming your eligibility.

Check your Openbank statement to see your monthly average daily balance. If it falls below $1,000, you aren’t eligible for a ɧ����Ƶ Bill Credit.

If you’re eligible for a bill credit and your ɧ����Ƶ bill cycle closes on a weekend or holiday, your bill credit may be delayed to the next bill cycle. In the event of a processing error, your bill credit may be delayed until the following month. On your next bill you'll see the delayed bill credit for the eligible line.

Before contacting ɧ����Ƶ, confirm:

1. On your most recent monthly statement, your monthly average daily balance is greater than the minimum to receive the credit.
2. Other lines on your account aren't already receiving the monthly credit (limit 2) on your most recent ɧ����Ƶ statement.
3. You've waited 2-3 billing cycles after funding your account at Openbank, and you're maintaining the minimum balance required to earn the ɧ����Ƶ Bill Credit.
4. You're looking at your most recent ɧ����Ƶ bill.

After confirming the above, you can contact ɧ����Ƶ Customer Service.

ɧ����Ƶ is unable to support any technical issues with your Openbank application. If you are experiencing a technical issue with your online application, call the Openbank Customer Service Center, Mon - Sat, 8 AM to 8 PM ET (5 AM to 5 PM PT) at 855-896-2265 (855-VZN-BANK). Hearing and speech-impaired customers can call 711 or their preferred relay service.

ɧ����Ƶ is unable to support any technical issues with your Openbank application. If you need assistance here’s what you can do:

• Validate that you aren't connected to a Virtual Private Network (VPN).
• Verify that you aren't using any screen-recording features on your device.

ɧ����Ƶ isn't able to support questions related to your Openbank account or balance.

For assistance, call the Openbank Customer Service Center, Mon - Sat, 8 AM to 8 PM ET (5 AM to 5 PM PT) at 855-896-2265 (855-VZN-BANK). Hearing and speech-impaired customers can call 711 or their preferred relay service.