Will an iphone 5s work on my local carrier with nil restrictions (Bahamas) if it is not factory unlocked?

I want to buya new iPhone (mine was stolen) and I originally had a factory unlocked 5 which worked great here on my local carrier (Bahamas).  My concern is that if it is not factory unlocked I will have problems using it out of the country (US).

Correct, a  carrier locked iPhone will only work on the Carrier it is locked to
You could roam ...........................

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