Commuter Benefits

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Commuter Benefits Transition - Starting January

If You Used Edenred for Commuter Benefits

If You're New to Commuter Benefits

What's Changing?

T-Mobile Commuter Benefit program will now be managed through MyChoice Accounts instead of Edenred.

Edenred's cards will be shut off 12/31/2025. We will move funds over from Edenred to their MCA account mid-January.

New in 2026!

You'll start using MyChoice Accounts for commuter benefits and receive a debit card to pay for eligible expenses.

Will I have money in my MyChoice Commuter Account January 1?

Rollover funds from Edenred will be transferred to your MyChoice Account after final balances are determined in Mid-January. Starting in 2026 your per paycheck contributions will be deposited into your MyChoice Account after each payroll.

When will funds be available?

Paycheck contributions will fund to your account after each payroll, typically by payday. Once deposited in your account they are available for immediate use.

What if I need to use Parking Benefits before funds are available?

You can pay out of pocket and submit a reimbursement claim within 180 days via:

Online benefits portal
MyChoice Mobile App

Upload your receipt and MyChoice Accounts will reimburse you.

*Transit expenses are not eligible for reimbursement.*

How do I use my benefits?

Once funds are available, use your MyChoice debit card for eligible transit or parking expenses. No reimbursement option for transit. Your transit funds may be used to purchase fare for bus, subway, train, trolley, ferry and light rail as well as verified carpooling programs, such as a metro vanpool and ridesharing programs.

Parking funds may be used to pay for work-related parking expenses, such as parking garages/lots, meters and parking expenses incurred near a transit station.

How do I start and add funds for future months?

No need to bookmark another page, you can access MyChoice Accounts directly at t-mobilebenefits.com/login. Log in using the same username and password you use for your other benefits. Then, click your name in the top-right corner and select MyChoice Accounts from the menu. Set your commuter election amount, and your contributions will be deducted from payroll and loaded after each pay cycle.

Commuter Accounts are IRS-regulated employee-funded accounts for either parking or transit expenses. This allows participants to set aside pre-tax funds to save on work-related commuting expenses. Elections can be changed monthly, depending on personal use of the benefit.

Per IRS rules, parking- and transit-dedicated amounts are not interchangeable. That is, you cannot use money set aside for transit on parking or vice vera. You CAN make two separate payroll deductions, however, if you need to use both.
- For example, if you pay for parking at a park-and-ride lot and also pay for a bus pass separately, you could use commuter benefits for both. The bus pass would count toward the transit limit, and the parking fee would count toward the parking limit.

You can use your MyChoice^® Accounts Commuter Account to pay for eligible transit and parking expenses. If you don’t use all the money, it stays in your account year over year. However, if you separate from your employer, any unused funds will be forfeited.
Please note that the IRS sets limits on the amount you can contribute to a Commuter Account each year. Consider this carefully when setting your contribution amount to ensure you take full advantage of the pre-tax benefits!
To learn more about Commuter Accounts and how to use them, review the MyChoice Accounts Commuter Accounts FAQ.

2026 Contribution Limit

Transit: $340/month

Parking: $340/month

Eligibility

All regular full-time and part-time employees scheduled to work 20 hours or more per week are eligible to participate in Commuter Benefits.

FAQ

Why Commuter Benefits

The key benefit is tax savings. An average daily commuter in a major city like New York City can save up to $700 per year by electing commuter benefits.* If you have the option to use mass transit, you can save yourself time, money, hassle, and personal vehicle expenses by commuting to work with others. In addition to all that savings, you're also saving the earth by reducing your greenhouse gas emissions with regular use of mass transit.

*Average annual savings varies by location.

How much can I contribute?

Commuter Account contribution limits are set annually by the IRS. In 2026, you may elect up to $340/month for transit expenses and up to $340/month for parking expenses. You may increase or decrease your election month to month, based on actual use.

You may choose to contribute above the IRS limit through post-tax deductions if your transit and parking needs exceed $340 per month.

What can I spend Commuter Account funds on?

Transit funds may be used to purchase fare for bus, subway, train, trolley, ferry and light rail, as well as verified carpooling programs, such as a metro vanpool.

Parking funds may be used to pay for work-related parking expenses, such as parking garages/lots, meters, and parking expenses incurred near a transit station.

How do I use my Commuter Account?

Using your transit benefits

When you sign up for a commuter transit account, your employer will deduct the amount you choose from your pay on a pre-tax basis. You may choose to contribute above the IRS limit through post-tax deductions if your transit and parking needs exceed $340 per month. You will receive your Visa^® card in the mail that can be used to purchase transit passes from your transit authority directly or pay for your vanpool transportation costs. Note: If you are also enrolled in a Health Care FSA, you will use the same card for both accounts.

The transit card has tight IRS regulations. The card can be set up as the funding source for most transit agency “smart cards.” This allows your transit pass to be automatically funded each month using the funds placed on your card. You may also purchase transit passes from credit card terminals that ONLY sell transit passes.

For example, if you are at the transit agency and purchase a pass at a kiosk, the card will work. If you are at the transit agency and go to a window where they sell items in addition to transit passes, the card will decline. No matter the type of transportation, a manual claim is not possible.

Using your parking benefits

When you sign up for a commuter parking account, your employer will deduct the amount you choose from your pay on a pre-tax basis. You will receive a Visa^® debit card in the mail that can be used to purchase parking from designated kiosks.

The parking card will only work at parking locations that have a credit card machine that has Parking for the Merchant Category Code (MCC). If for some reason you can’t use the card to pay for parking, you may file a reimbursement claim through MyChoice Accounts. You have 180 days from the date of service to submit parking claims.

How do I manage my account?

You can manage your Commuter Account(s) via the MyChoice Accounts dashboard or the MyChoice benefits app. You can do things like:

Check your balance and update your contribution amount
Review recent transactions
Submit claims for reimbursement for parking expenses
Check the status of reimbursement claims

If I pay out of pocket for my parking expenses, can I get reimbursed?

Yes. The parking card will only work at parking locations that have a credit card machine that has Parking for the Merchant Category Code (MCC). If for some reason you can't use the card to pay for parking, you may file a claim through MyChoice Accounts to be reimbursed.

If I pay out of pocket for my transit expenses, can I get reimbursed?

No. The IRS does not allow transit claim reimbursement. In order to stay compliant with the transit benefits use your MyChoice Accounts debit card. The card can be set up as the funding source for most transit agency Smart Cards. This allows your transit pass to be automatically funded each month using the funds placed on your card. You may also purchase transit passes from credit card terminals that ONLY sell transit passes. Finally, you may set up the card to pay for certified vanpools.