The surcharge-free network of 42,000 ATMs includes 7-Eleven and McDonalds. If you go outside this ATM network, the withdrawal fee is steep at $2 per withdrawal.
Overall, Mobile Money offers a very competitive package for T-Mobile customers. The question is then: are you paying a premium for the T-Mobile service compared to Sprint, AT&T or Verizon? If you are looking for the best 4G speed and most stable network, you might want to go for Verizon. For 3G speed, AT&T is still in the lead.
But if you are looking for an affordable, monthly plan, T-Mobile compares favorably with the other providers. You will be better off if you already have a device, as while the monthly costs at T-Mobile are low, the phone purchase costs are less competitive.