This thread is for people who have/are switching to AT&T from other carriers, especially Verizon. I am planning to within the next month or so, maybe on the launch date of the new iPhone, if I have the money. The question I had was about the ETF. This will add an extra $95 to my purchase of the iPhone. My question is, since it's probably coming out after June 20th (the end of my billing month), when would I pay the ETF? Would I pay it right away, or would I wait until July 20th? I kinda would like to know, since if I have to pay it up front, then I have to wait longer to get the phone. Oh well, any people who could help/guide me through the ETF process?