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It is compatible in that you can call text and send/receive data. However, not all bands T-Mobile uses are compatible with the phone. IOW, you can use it, just not to its fullest extent. You won't have the range of all bands, coverage speeds and areas might be affected, perhaps no wifi calling or visual voicemail.
Hey PJ, I think your best bet is to review the Non-T-Mobile phone & software disclaimer before you purchase. Note how at the bottom it lists the bands that are necessary for compatibility? It may be worth checking the tech specs for this device to see what bands it operates on (Band 2, Band 4, or both) and then contacting us again and providing your address so that we can see which bands we have deployed in your area! That way you won't be stuck with equipment that you can't use on our network. <3