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- Typically free for most transactionsLearn more:✕This summary was generated using AI based on multiple online sources. To view the original source information, use the "Learn more" links.ACH debit transfer cost: These transfers, which include payroll direct deposits and most bill payments, are typically free. If you need expedited bill payments, there can be fees. Person-to-person payments that you initiate through your bank or third-party apps such as PayPal can cost a small fee, depending on the platform and payment method.www.nerdwallet.com/article/banking/ach-transfersBanks, credit unions, and businesses don't charge fees for ACH payments. If you use a debit or credit card, on the other hand, your transaction might be subject to a surcharge or fee. Many businesses bake the surcharges into their prices, so you might not notice a difference in cost.www.wikihow.com/Make-ACH-Payments
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