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Yes. Yes. An unconnected iPhone purchased on apple.com will not unlock.
Apple iPhone 13Pro Max: $1,099 $449 for eligible trade-ins at Apple (opens a new tab). Unfortunately, if you go unlocked, you can only pick up a new Apple device directly. Apple does have its iPhone 13 Pro Max deals available, including a rebate of up $650 for trade-ins. It's not the most expensive on the market but it does cut down a lot of the cost. You can't go wrong with an unlocked device, especially if you need plan flexibility. Total cost: $449 (maximum Savings)
Yes. Unlocked iPhones that aren't connected to apple.com can be used with any network. The new iPhone you purchase from apple.com is unlocked after activation. It can then be used with any network that supports iPhone. You can only buy an iPhone with an AT&T installment plan. It will be locked at AT&T and can only work on AT&T's network during the term of your Installment Agreement agreement.

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You'll get 3% Daily Cash up front and can then pay for your device over time, without interest. Learn more about Apple Card Monthly Payments
For this deal, you must purchase an iPhone 13 Pro (or iPhone 13 Pro) with an AT&T 36 months Installment plan. AT&T trade credit up $700 will be applied for iPhone 13 Pro Max (iPhone 13 mini), iPhone 13 Pro Max (iPhone 13 Pro Max), and iPhone 13 Pro Max (iPhone 13 Pro Max). This credit can only be applied within 36 months of the trade-in of eligible smartphones. You must activate your new iPhone via an eligible AT&T Unlimited account at the time of purchase. To receive full deal credit, you must be on eligible AT&T Unlimited for at least 36 months.
Do you not have enough iCloud Storage to complete a backup of your device? iCloud grants you enough temporary storage (iOS 15 necessary) to ensure you can backup your device and get all data transferred.

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When you order your iPhone online, you will have to complete the steps to authorize activation from AT&T Sprint, T-Mobile or Verizon. Your iPhone will then be ready for you to use. Follow the on-screen instructions to set up the carrier and activate it. Wi-Fi is required to activate your eSIM.
If you're an AT&T and Verizon customer, an additional line can be added to your existing account when you buy an iPhone online.
Bank USA is the best place to ask about installments for customers who live in U.S. territory.