Confused about pricing at AT&T vs. Apple

I have an AT&T account that is not currently eligible for an upgrade. Therefore, if I buy an iPhone at an AT&T store I will pay $500.
Is it the same deal if I buy one at an Apple store? Or if I go there would I pay Apple's advertised price of $300? Does Apple check your AT&T account upgrade eligibility and adjust the price accordingly, or do they just sell you the phone for 300 bucks?
Any insight would be greatly appreciated.
Thanks,
Ethan

Yes, Apple will check with AT&T (electronically), confirm that you are not eligible for an upgrade, and charge you $399/$499 for an 8/16 iPhone 3G, instead of the subsidized prices of $199/$299.
Hope this helps...

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