system
A chat on subreddit /r/wallstreetbets
human
&gt;Everyone earns 1.00%* APY on all balances. T-Mobile wireless customers with **qualifying service can earn 4.00% APY* on balances up to $3,000 and 1.00% APY above that** in their T-Mobile MONEY checking account by **depositing at least $200/month**. 
  
 If it's too good to be true, it probably is.

gpt
So basically you get 120 bucks a year plus 1% if you keep at least 3000 in the account. 
  
 As long as you keep more than 4000 dollars in the 3% RH account, that's the better deal.