A folded monopole antenna that supports lower and upper frequency bands may be used in CDMA, WLAN, or other wireless communications systems. The folded monopole antenna may be located in a handset next to a vertical ground plane. The folded monopole antenna may be folded at least twice and connected to the ground plane through a reactance. The dimensions of different sections of the folded monopole antenna define lower and upper frequency band characteristics, and an offset location of an input feed affects the bandwidth of the frequency bands. The reactance between the antenna and ground plane can be selected to fine tune the frequency bands. Various input feeds, including a co-planar waveguide, may be employed. Dynamically adjustable reactances may be used in the input feed and ground line for adapting the antenna to various environments.