Please ignore nicregi's answer as it is totally false. They make two deposits usually in the amounts of less than 5 cents..You input that amount to verify your bank account. As to what they charge, on all accounts no matter which you have as of this year, is a flat 2.9% + 30 cents transaction fees on any money received from a credit card,debit card, bank etc. Only way around this is for the client to send it via paypal, or directly from their bank but not as a service, but a personal transaction. These are the only ways around the fees.
Also note that there is a 500.00 restriction on how much you can withdrawl in any given month till you meet certain requirements. The different fees between various accounts is now the same among all 3 different types of accounts.. The only difference now is what services are being offered.