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Depending upon your location, you may be eligible to have your order delivered in-store, curbside, or express at the Apple Store.
Bank USA should be contacted by U.S. residents if they have any questions about installments.
Yes. Unlocked iPhones that aren't connected to apple.com can be used with any network. The new iPhone you purchase from apple.com is unlocked after activation. It can then be used with any network that supports iPhone. You can only buy an iPhone with an AT&T installment plan. It will be locked at AT&T and can only work on AT&T's network during the term of your Installment Agreement agreement.