Before you switch

Will your current carrier charge you to leave?

Halo has no contract. You can cancel any time. Here is what AT&T, Verizon, and T-Mobile actually charge when you cancel early, in plain English.

schedule5 min readUpdated May 15, 2026By the Halo team

01Where to look in your account

  1. Review your service agreement. Log in to your carrier's online portal or app. Look for “Service Agreement,” “Customer Agreement,” or “Wireless Contract.” Check for minimum term commitments (12, 24, or sometimes 36 months).
  2. Check device financing or lease agreements. If you bought your phone on installments or a lease, leaving early usually means paying off the remaining balance. On modern plans, this often replaces a traditional ETF.
  3. Look for early-termination-fee clauses. Older contracts may have a flat ETF (for example, $350) or a prorated ETF that decreases over time. Newer plans usually skip the ETF but lock you in through device financing.

02At a glance

CarrierService-contract ETFDevice financingGrace period
AT&TUp to $325, proratedNo ETF · device balance owed14-day window
VerizonStarts $350, declinesNo ETF · device balance owedVaries by plan
T-MobileNone on most plansDevice balance owedVaries by plan
HaloNone, no contractN/A · bring your own phoneCancel any time

AT&T

If you have a one- or two-year service commitment and cancel early, AT&T charges an early termination fee. The fee depends on the device type:

  • Smartphones with a commitment: Maximum ETF is $325, prorated. Subtract about $10 for each full month of service completed.
  • Basic phones, tablets, hotspots: Maximum is about $150, prorated (around $4 per month deducted) for each month of service fulfilled.
  • Installment plans (device payments): Usually no ETF, but the remaining device balance is still owed.
  • 14-day grace period: New consumer wireless subscribers can usually cancel within 14 days without an ETF.

Verizon

Verizon's older service-commitment contracts still carry ETFs or device payouts when you end service early.

  • Advanced devices on contract: ETF starts around $350 and declines the longer you stay.
  • Basic phones on service-commitment contracts: Lower fee, often referenced around $175.
  • Newer plans with device financing: Typically no separate ETF, but you still owe the remaining device balance if you cancel or leave.
  • Prepaid lines: No annual contract, so typically no ETF.

T-Mobile

T-Mobile has largely eliminated service contracts and traditional early termination fees for most postpaid wireless plans.

  • No service-contract ETF on most plans.
  • If you financed a device, you still owe the remaining device payments. Canceling does not erase the device balance.
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Tip
Check your own account. Exit costs depend on your plan and device financing. Your old line stops billing for wireless service once your number ports to Halo.

A note on accuracy

Figures above reflect carrier policies as of mid-2025. Terms can vary by plan, promotion, and state, and carriers update their fine print over time. Always double-check the terms on your own account before canceling.

FAQCommon questions

No. Halo has no contract and no ETF. You can cancel any time. You only pay for the month you used.
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