So I assume you want to purchase full price without a contract?
If you buy Verizon you are going to have to create an account to purchase and pay an activation fee but then could cancel.
The same is true with AT&T but you also have to wait 60 days before you can submit an unlock request?
T-mobile no account needed with no activation fee.
Correct - Full Price - No Contract. When you pay full price from the Apple Store the are unlocked and can be activated on any service you choose. No need to wait 60 days or setup any accounts.