Jan 22, 2014, 3:27 pm
Last edit by: XP1
Warning: The T-M website contains an apparent Bill Pay function. Attempting to use it to pay credit card bills, or probably any significant $ amount bills of any sort, will get your account frozen. Ditto large scale ATM or MO withdrawals. The one method of unloading likely to keep you under the radar is small scale WM BP. Also likely to get you shut down, according to consensus reports, is running much more than $5K a month thru your account. You ignore this advice at your own risk.
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
T-Mobile (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 - Hard coded for cash (debit may work, untested) as of Oct-2015
Meijer (Cash/Debit including VGC)
Giant Eagle/GetGo (Cash, Debit including VGC )
Safeways/Vons/Pavilions in California - most only Cash
Food Lion - Manager override now required. Many stores cash or bank debit only, but registers are not hard coded.
Save-A-Lot: Hard coded cash only
BigY: At least some stores have gone cash only as of 1/8
Acme in PA: Hard-coded cash only (Source)
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.
In practice, a ReloadIt >= $300 loaded via the safe will receive credit for the fee. However, the terms formally state "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 this is not guaranteed.
The Limits:
Daily limit: $2500 during a rolling 24 hour period
Monthly limit: ?
Annual Limit: ?
Max Bill Pay (per transaction): = $5000 (tested March 6th, 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
T-Mobile Prepaid Customer Service Email: [email protected]
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
FAQ
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
T-Mobile (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 - Hard coded for cash (debit may work, untested) as of Oct-2015
Meijer (Cash/Debit including VGC)
Giant Eagle/GetGo (Cash, Debit including VGC )
Safeways/Vons/Pavilions in California - most only Cash
Food Lion - Manager override now required. Many stores cash or bank debit only, but registers are not hard coded.
Save-A-Lot: Hard coded cash only
BigY: At least some stores have gone cash only as of 1/8
Acme in PA: Hard-coded cash only (Source)
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.
In practice, a ReloadIt >= $300 loaded via the safe will receive credit for the fee. However, the terms formally state "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 this is not guaranteed.
The Limits:
Daily limit: $2500 during a rolling 24 hour period
Monthly limit: ?
Annual Limit: ?
Max Bill Pay (per transaction): = $5000 (tested March 6th, 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
T-Mobile Prepaid Customer Service Email: [email protected]
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
FAQ
- My fee did not get refunded. Has there been a policy change? ReloadIt Fees are processed overnight and could take 24 hours after you reload the card. As of 9/2015, ReloadIt cards added to the safe prior to loading on T-Mobile will still get the $3.95 refunded.
- What is a safe transaction amount? There is no definite safe or unsafe amount. However, starting the last week of Jul 2015, people have been reporting the account frozen after transactions larger than $1K.
- Can I use the BP Feature? It works well for some people. Many have reported getting shutdown after using it. A few have reported having the payments lost. Like all MS activity, use at your own risk.
- Should I mix in some regular spending to make it look like this is my primary card? If it makes you feel better, go for it. However people who do this still get shutdown.
- I can't log in. Did I get shutdown? Possibly. But more likely the website is having technical issues. Call in, o try to make a swipe purchase and test it out.
- If I pay my taxes with this card, will I get shutdown? Large purchase raise red flags. Taxes are no different and there are reports of people being shut down for doing this.
- What is a T-Mobile wireless customer? A qualifying T-Mobile wireless customer can be either a postpaid or prepaid customer. Source: http://www.flyertalk.com/forum/24790705-post3703.html
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)
Jan 21, 2014, 11:49 pm
#1
Original Poster
Join Date: Jul 2006
Posts: 40
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.
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, 2014 at 11:53 am
Jan 22, 2014, 12:07 am
#4
Original Poster
Join Date: Jul 2006
Posts: 40
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.
Jan 22, 2014, 12:25 am
#8
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
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
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
Jan 22, 2014, 12:29 am
#9
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
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.
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.
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.
Jan 22, 2014, 12:31 am
#10
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
I might bite. But hmm... Monthly fee.
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.
Jan 22, 2014, 12:56 am
#11
Join Date: Dec 2012
Location: ATL F-Terminal
Programs: Hilton C, Marriott Pt, Delta Pt
Posts: 249
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.
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.
Jan 22, 2014, 1:28 am
#14
Join Date: Oct 2013
Posts: 920
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.
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.
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, 2014 at 1:42 am