Hi everyone. I am going to be getting an iPhone and will be paying for it on my own account. Have a first gen on a family plan, and this will be the first time I have my own account. Anyways, I have to pay a deposit since I have no credit history currently. I have a few questions about the deposit that I am hoping someone can answer for me. 1. How is it returned after the 12 months? Is it returned in check form, or do they try to deposit it back into the account it was paid for from? I ask because I am in the process of switching banks. Can I pay for it in cash, and get it back in the form of a check? 2. Can I go to an Apple store to buy my iPhone, and pay the deposit there, or is this something I must do at an AT&T store? thanks so much! I tried doing a search and I didn't get anything that answered my specific questions.