After announcing a number of uncarrier campaigns, whats T-Mobiles next step? The scheme combines a money management app with a prepaid T-Mobile Visa card, offering $0 cost services to existing T-Mobile wireless users. Clearly targeted at those at the bottom of the financial ladder, the services offered by T-Mobile dont stray too far from those found in regular checking accounts. There are no minimum balance requirements, and T-Mobile says there are no fees for in-network ATM withdrawals, replacing lost or stolen cards, activation, or monthly maintenance.