It seems like my assumptions above are wrong.
Wikipedia says:
Quote:
AT&T Wireless launched UMTS services in the United States by the end of 2004 strictly using the existing 1900 MHz spectrum allocated for 2G PCS services. Cingular acquired AT&T Wireless in 2004 and has since then launched UMTS in select US cities. Cingular renamed itself AT&T and is rolling out some cities with a UMTS network at 850 MHz to enhance its existing UMTS network at 1900 MHz and now offers subscribers a number of UMTS 850/1900 phones.
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So you either need another phone or settle for 2G only.