My charge cleared my bank account today as well and it was
$325.00 
I'm in Fresno, CA.
I called apple cause my initial order was for $362, my thank you confirmation was for $362 but on my account status through apple.com and also my email confirmation it said $325.... I was told whatever your Apple.com status says is what we will charge, he wasn't sure why it was lower but said it would only be $325.
And SURE ENOUGH look at my account this morning and the charge has Fully Cleared (not pending) for only $325
Not sure why some of us are getting lucky and some aren't but I think for sure it was a great move to go with Apple.com since I got charged less tax and my phone will be delivering a day early.