While I understand the requirement, I wouldn't pay more for cell service to get 4%. I'm not too familiar with TMobile's plans right now tho.
Here are a couple alternatives.https://www.doctorofcredit.com/tn-ms-ar-orion-federal-credit-union-premium-checking-4-apy-on-balances-up-to-30000-dd-not-required/https://www.doctorofcredit.com/tab-bank-4-apy-on-balances-up-to-50000-direct-deposit-not-required/They each have their unique requirements. The first one lists it's available only in a few states but in the comments people are saying they've opened it in other states. I don't have either one but I'm planning on opening the first one. The first one has a max of $30,000 and you can open multiple accounts. The second one has a max of $50,000, not sure if you can open more than one account.