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If sending $100, the amount that will go to fees is $3.20 and the recipient will receive $96.80. That's 3.2% going to fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)

To receive $100, a payment of $103.30 should be sent. $3.30 will go to fees. That's 3.19% in fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)