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If sending $180, the amount that will go to fees is $5.52 and the recipient will receive $174.48. That's 3.07% going to fees, effectively.

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

To receive $180, a payment of $185.68 should be sent. $5.68 will go to fees. That's 3.06% in fees, effectively.

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