If you have the non-developer edition of the Galaxy S4 on Verizon or AT&T it's locked. These would be model numbers SCH-I545 or SGH-I337. If you have any other version of the S4, it's unlocked.
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Current Devices: Nexus 5, Asus TF700, Google Glass, (2013) LTE Nexus 7, Logitech Revue, Chromecast
Retired: Samsung Fascinate, Droid Charge, Galaxy Nexus, (2012) WiFi Nexus 7, Nexus 4