Pre-ordered on the 9th through Apple but using AT&T's installment plan. So my upfront cost was just taxes. The order is showing as processing, but I haven't seen the money come out of my account yet. Is this normal?
Yup, as Keith said, your card will be charged once your device is at the 'shipping' status. A status that will no doubt be brought to our attention here by plenty of members.
My charge through PayPal shows completed. Apple still shows "Preparing to Ship" but I can see my item on My UPS and I got a tracking number. So seems all is good.