So here's the deal. I have a military bank that only accepts deposits through the mail. I found out yesterday that my account has approximately $311 in it which is short of the total cost of a 32GB iPhone 4 with tax. I have a lot of money in cash on me along with a lot of checks that I need to deposit which again, I have to do through the mail. However, those deposits won't get into my account before the 15th, but will be there in plenty of time before the 24th. My question is that when you pre order, does Apple do a temporary hold of the entire amount or does it just do like a $1 hold and then charge the full amount when the item ships? I hope I was clear enough. Thanks.