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.