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If sending $500, the amount that will go to fees is $14.80 and the recipient will receive $485.20. That's 2.96% going to fees, effectively.

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

To receive $500, a payment of $515.24 should be sent. $15.24 will go to fees. That's 2.96% in fees, effectively.

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