[delinka]

"...and twenty dollars or so my bank charges for receiving wire transfers."

For business accounts or personal? I received a single wire transfer to a personal account two months ago and didn't pay a fee. Maybe I get one free. Maybe there would have been a fee for a business account.

But I'm certain I've never heard, until now, anyone mention fees for receiving wire transfers.

[analyst74]

Mine was for personal. The bank payment system has myriads of complicated rules/methods determining how they will charge you on a transfer, where the bank is located, wire vs ACH vs direct deposit vs other clearing mechanisms, international vs domestic, individual bank's progressiveness, your account type, etc.