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If you are both sender and receiver, use SHA. It's simple and easy, plus you will know who is charging more... In this specific case, First National shouldn't be charging anything as they would receive the funds over CHIPS network.. OUR for retail individuals works on approximation of charges and can be more or less. Generally there are 4 bank's at times ...


The document linked to in the OP states a 3 bps annual fee, not 60 bps as you have written, referenced as 0.6%. 3 bps is 0.03% or 0.00003. 3 bps annually is 30 cents per $1000 invested.

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