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Originally Posted by wolfbln
1st you should find find out (as Inquisitor has said) if your device has a SIM-lock or not. This is kind of tricky in the US. If your phone has GSM on 850 Mhz or 1900 Mhz, you can put in any AT&T or T-Mobile US SIM card and check if it connects to an network. But with cheap phones from Europe, they often cover only the European bands of 900 and 1800 Mhz (check the specs).
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If the phone has a SIMlock it will usually request an unlock code right after entering the SIM card's PIN code (or immediately if no PIN code is set on the SIM card), so you don't actually need to be in the coverage zone of a compatible network to see if there's a SIMlock. Just plug in any SIM card you have at hand.