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Old Nov 17, 14, 10:21 am   -   Wikipost
FlyerTalk Forums Thread Wiki: T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)
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Last edit by: Silverthunder
SUMMARY

1. FAQ's
2. Free to use for TMo customers.
3. Issued by Bancorp
4. Load at T-mobile store (Registers are HARD CODED not to accept anything other than cash.)
5. or Reloadit, (find a grocery store that sold reloadit cards with a cc)

List Stores hard coded for cash or Credit Card accepted
Tmobile (cash only)
Home Depot (cash only, hard coded)
Harris Teeter - Bought with CC on 2/16/14, hard coded denied CC on 5 APR 2014
Winn-Dixie - Varying reports of success under $500
Meijer (Cash/Debit including VGC)
Giant Eagle/GetGo (Cash, Debit including VGC )
Safeways/Vons/Pavilions in California<500 CC without manager approval, >500 require manager approval
Note on ReloadIt Cards
These come in two main flavors, up to $500, and up to $950 (there are ones that go up to $50, too). Both are $3.95 load fee. The older grey cards, have CASH ONLY on them. Even if the cash register is coded to accept it, many cashiers will be hesitant to even try, or get shut down by manager.
The maximum value reload will be $2,500.00. There is no maximum number of times you may value reload your Card Account per day; however, the maximum dollar amount of value reloads you may make to your Card Account in one day is $2,500.00. We will accept direct deposits larger than $2,500.00, but any direct deposit value reloaded to your Card Account will count against the $2,500.00 daily limit.
Value Reload Fee: Each time you value reload $300.00 or more to your Card Account in a single transaction, you will receive a credit for any fee you paid. If you are a T-Mobile Wireless Customer and value reload your Card Account at a participating T-Mobile Wireless location, you will receive a refund at the register (and will pay no fee for your value reload). If you value reload your Card Account for $300.00 or more via another method, we will issue a credit to your Card Account in the amount of the fee you paid. Please note: Value reloads made from Reloadit Packs that have been placed in the Program Manager’s Reloadit “Safe” are not eligible for any fee credit.
The Limits:
Daily limit: $2500 during a rolling 24 hour period
Monthly limit: ?
Annual Limit: ?
Max Bill Pay (per transaction): = $5000 (tested March 9th, can do 'at least' a second for the same amount to the same payee momment later).
Daily ATM limit: $500 (rolling 24 hr rather than calendar day)

Total monthly bill pay limit: ?
The maximum value of your Card Account is restricted to $10,000.00

If you need to escalate to the FDIC, Bancorp's registered FDIC# is 35444.
If you want to try to open an FDIC complaint or investigation you can send one in electronically at
http://www2.fdic.gov/IDASP/DIRSInfoRequest.asp

Alternative FDIC link to file complaint
https://www2.fdic.gov/starsmail/index.asp

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Old Jan 22, 14, 12:49 am   #1
 
Join Date: Jul 2006
Posts: 38
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

This is awesome, was announced today -

https://t-mobilemoneyservices.com/

The quick points -

Load by buying a reload pack over $300 at a T-Mobile retailer (using CC) to get no fees to load and cash out with no fees via ATM. This might actually give Bluebird a MS run for its money!

I think things just got good with this one, folks.

Edit: Looks like the no monthly fees and free reloads are dependent on being a T-Mobile customer. If you're not, this might not work well for you.

Edit 2: Reports are that at a Tmo store they'll only accept cash for the reload pack. Might not be great. Safeway is coming as a future option, maybe they'll offer CC reloads. Keep the thread alive and let's get creative, hopefully this pans out.

Last edited by mmarcuse; Jan 22, 14 at 12:53 pm.
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Old Jan 22, 14, 1:03 am   #2
 
Join Date: Jan 2014
Posts: 47
Looks promising, where did you see that you could load with a cc in store?

Looks like there's a 2,500 daily load limit, but no mention of a monthly limit.
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Old Jan 22, 14, 1:05 am   #3
 
Join Date: Jul 2012
Location: Heaven
Posts: 379
sweet... Just ordered one.
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Old Jan 22, 14, 1:07 am   #4
 
Join Date: Jul 2006
Posts: 38
Quote:
Originally Posted by Arbitrage650 View Post
Looks promising, where did you see that you could load with a cc in store?

Looks like there's a 2,500 daily load limit, but no mention of a monthly limit.
Fair enough - I'm assuming CC in store. They mention a reload pack, which I assume is like a Vanilla reload card. Maybe we need verification on that, though. The website is a little vague, from the FAQ's -

How do I load money to my T-Mobile Card?
The BEST way to have money loaded to your T-Mobile Card Account is through direct deposit. With direct deposit, you can have all or part of your pay, dividend, disability, and government checks (Social Security, tax refund, welfare, etc.) sent directly to your T-Mobile Card Account. There's no fee for loading your Card Account via direct deposit. You can also load your personalized card by purchasing a Reloadit Pack at thousands of participating retailers or at any Visa ReadyLink reload location. Load fees and limits vary by retailer. Click here to find a retail location near you.
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Old Jan 22, 14, 1:09 am   #5
 
Join Date: Jul 2013
Posts: 97
T-Mobile Visa Prepaid - Bluebird Competitor for MS! $0 fees to reload w/CC!

This will be interesting if CC load is allowed...then my Ink will have another place to MS!
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Old Jan 22, 14, 1:13 am   #6
 
Join Date: Jul 2012
Location: Heaven
Posts: 379
Quote:
Originally Posted by babehwa View Post
This will be interesting if CC load is allowed...then my Ink will have another place to MS!
that's the exact thought I had while ordering....
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Old Jan 22, 14, 1:19 am   #7
 
Join Date: Jul 2006
Posts: 38
I didn't even think of that (it's late). So T-Mobile stores are a 5x category on Ink?
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Old Jan 22, 14, 1:25 am   #8
 
Join Date: Aug 2011
Location: New Jersey
Programs: Marriott Platinum, UA Silver, Hertz FS
Posts: 830
Subscribed... and ordered my card. Will see if I order one for each family member.

Paying Third Party Bills

You may pay a wide variety of bills online using your Card Account. To do so, you must first register for the bill pay service by visiting my.t-mobile.com/moneyservices. As part of your registration, you will be asked to agree electronically to the terms and conditions of the service. You can view the terms and conditions for the bill pay service at my.t-mobile.com/moneyservices.

Has bill pay, woot....

but look at the fees


Purchase/Maintenance Fees:

Retail Purchase Fee: $4.00 No charge for T-Mobile Wireless Subscribers at Participating T-Mobile Stores (see explanation below)
Monthly Maintenance Fee: $5.00 per month (see explanation below)
Value Load/Reload Fees:
Retail: $3.00-$3.95 (see explanation below)
Direct Deposit: No charge
Visa ReadyLink: Varies by retailer
Remote Check Deposit – Standard Availability No charge
Remote Check Deposit – Expedited Availability 1% of face value of check for payroll or government checks; otherwise, 4% of face value of check
Transaction Fees:
POS PIN Transaction: No charge
POS Signature Transaction: No charge
ATM Fees:
Domestic ATM Withdrawal Fee: No charge at in-network ATMs. $2.00 per transaction elsewhere (see explanation below)
Domestic ATM Balance Inquiry Fee: $0.50 per transaction No charge for T-Mobile Wireless subscribers (see explanation below)
International ATM Withdrawal Fee: $4.00 per transaction. No charge for T-Mobile Wireless subscribers (see explanation below)
International ATM Balance Inquiry Fee: $1.00 per transaction. No charge for T-Mobile Wireless subscribers (see explanation below)
In addition, when you use an out-of-network ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.
Service Fees:
Foreign Transaction Fee: 2.0% of the amount of the Foreign Transaction
Teller Cash Advance: $2.00 per transaction
Card to Card Transactions: No charge
Customer Service: No charge
Reissue Card: No charge
Lost/Stolen Replacement Card: $6.00 per request. No charge for T-Mobile Wireless subscribers (see explanation below)
Secondary Card Issuance Fee: $5.00 per request. No charge for T-Mobile Wireless subscribers (see explanation below)
Express Card Shipping Fee: $25.00 per request
Check Request Fee: $5.95 per request (charged if your Card Account is closed and a check is issued for the remaining balance) No charge for T-Mobile Wireless subscribers (see explanation below)
Bill Payment Fee – Electronic/Paper Check: No charge
Bill Payment Fee – Expedited: $10.00 per transaction
Fee for Written Account History: $3.00 per request
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Old Jan 22, 14, 1:29 am   #9
 
Join Date: Aug 2011
Location: New Jersey
Programs: Marriott Platinum, UA Silver, Hertz FS
Posts: 830
Quote:
Retail Purchase Fee: T-Mobile Wireless subscribers will not be charged a Retail Purchase fee if they purchase their Card at a participating T-Mobile store. T-Mobile Wireless subscribers who purchase their Card elsewhere will receive a credit to their Card Account equal to the purchase fee they paid for their Card within 30 days after they register their Card Account and provide their T-Mobile wireless phone number.



Monthly Maintenance Fee: We will not charge a Monthly Maintenance Fee in the first Cycle. After that, we will charge the Monthly Maintenance Fee on the first day of each Cycle. However, we will not charge a Monthly Maintenance Fee in a Cycle if, during the preceding Cycle: (i) you value reloaded and/or direct deposited a total of $500.00 or more to your Card Account or

(ii) you are a T-Mobile Wireless subscriber and you provide your T-Mobile Wireless phone number when you register your Card Account. Your first “Cycle” begins on the day you make the initial value load to your Card Account. Each subsequent cycle begins on the same date of the next month. As an example, if you make the first value load on March 15, then your first Cycle will begin on March 15 and end on April 14; your next Cycle will begin on April 15 and end on May 14; and so forth.


Value Reload Fee: Each time you value reload $300.00 or more to your Card Account in a single transaction, you will receive a credit for any fee you paid. If you are a T-Mobile Wireless Customer and value reload your Card Account at a participating

T-Mobile Wireless location, you will receive a refund at the register (and will pay no fee for your value reload). If you value reload your Card Account for $300.00 or more via another method, we will issue a credit to your Card Account in the amount of the fee
you paid. Please note: Value reloads made from Reloadit Packs that have been placed in the Program Manager’s Reloadit “Safe” are not eligible for any fee credit.
So a few fees... but seems fee free for Tmobile customers, which I am glad I have 5 lines with.

Seems the reload packs are not fee free...

Question is, how will they let us reload it at the tmobile stores.

This is a Bancorp issued product.
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Old Jan 22, 14, 1:31 am   #10
 
Join Date: Oct 2013
Location: STL/DCA/DFW
Programs: 'Murica
Posts: 2,459
I might bite. But hmm... Monthly fee.

Quote:
Monthly Maintenance Fee: We will not charge a Monthly Maintenance Fee in the first Cycle. After that, we will charge the Monthly Maintenance Fee on the first day of each Cycle. However, we will not charge a Monthly Maintenance Fee in a Cycle if, during the preceding Cycle: (i) you value reloaded and/or direct deposited a total of $500.00 or more to your Card Account or (ii) you are a T‑Mobile Wireless subscriber and you provide your T‑Mobile Wireless phone number when you register your Card Account. Your first “Cycle” begins on the day you make the initial value load to your Card Account. Each subsequent cycle begins on the same date of the next month. As an example, if you make the first value load on March 15, then your first Cycle will begin on March 15 and end on April 14; your next Cycle will begin on April 15 and end on May 14; and so forth.
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Old Jan 22, 14, 1:56 am   #11
 
Join Date: Dec 2012
Location: ATL F-Terminal
Programs: Hilton C, Marriott Pt, Delta Pt
Posts: 244
https://t-mobilemoneyservices.com/NeedHelp/Fees

Monthly Maintenance Fee
T-Mobile Wireless Customer
$0

Standard (Non-Wireless Customer)
$5.00 per month
Waived for cardholders who load $500 or more on the Card during the preceding monthly billing cycle

None of us should have a problem meeting that requirement if loading is cheap or free.
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Old Jan 22, 14, 2:12 am   #12
 
Join Date: Aug 2013
Location: ORD
Programs: UA Plat, Hyatt Plat, SPG Gold, Hilton Gold, Club Carlson Gold, IHG Plat
Posts: 114
It's not asking for my SSN. I'm guessing no hard pull?

Edit- nvm it does ask for SSN. Anyone know if it does a hard pull? Can't really afford anymore at the moment.
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Old Jan 22, 14, 2:21 am   #13
 
Join Date: Dec 2011
Posts: 334
REloadit Packs are located at grocery stores-Vons/Safeway and Alberstons-in SoCal.
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Old Jan 22, 14, 2:28 am   #14
 
Join Date: Oct 2013
Location: SNA
Posts: 809
Quote:
Originally Posted by flyertalk77 View Post
https://t-mobilemoneyservices.com/NeedHelp/Fees

Monthly Maintenance Fee
T-Mobile Wireless Customer
$0

Standard (Non-Wireless Customer)
$5.00 per month
Waived for cardholders who load $500 or more on the Card during the preceding monthly billing cycle

None of us should have a problem meeting that requirement if loading is cheap or free.
Good find, looking around for loading fees is not easy here.

Whoops, NVM, ReLoadits can be used and the TMobile reload does not have a price I can see just yet...

Last edited by hitman1420; Jan 22, 14 at 2:42 am.
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Old Jan 22, 14, 2:29 am   #15
 
Join Date: Dec 2013
Posts: 362
Dammit, was just coming to post this. I was all excited for something that the community can quickly ruin.
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