Sorry for the newbie question but how does an online sale work. I pay the website then they ship to my local store and then I pay that store a transfer fee? I assume I have to call the local store first and give them a heads up. How does the background check then? Thanks
That's basically correct. A few extra details:
1) The website can ONLY ship a firearm to an FFL (aka, local gun store [LGS]). They will need a copy of the gun store's FFL on file (it can be faxed to sportsmans outdoors). I've purchased a few guns from SO, and they have a list of FFLs already on file that you can search. Your LGS may already be on there.
2) While there is no requirement to call the LGS and inform them that a firearm is on the way, it is common courtesy to do so. You would need to do this if SO doesn't have the LGS FFL on file anyways, since the LGS will need to fax it to them. Also, it will allow you to ask what the transfer fee is. Furthermore, this will allow them to contact you when the item is received and ready for pickup.
3) The background check is done by your LGS, just as if you were buying it 'directly' from them. Because the firearm is shipped to an FFL, there is no 'pre-background check' required. I honestly don't know what happens if you 'fail' the background check, since you have paid for the item. I guess it would be returned...
Regardless of whether you purchase from the LGS or website, before you start any paperwork, EXAMINE THE GUN THOROUGHLY. Make sure it disassembles. Make sure all the items are there (magazine, lock, safety flag, ...). Inspect the fire control group (trigger, hammer, bolt, ...). Even though S&W has a lifetime warrenty on the item, you want to ensure that everything is there and appears to be working. It also familiarizes yourself with the firearm.
Lastly, you could use it as a bargaining chip; ask the LGS to reduce the price of theirs to $369 + transfer fee, and you'll buy it from them directly.