ACH fees are set by Dwolla's banks that connect them to the fed network. ACH transfers tend to be free for the individual who is getting or sending money, unles

ACH fees are set by Dwolla's banks that connect them to the fed network. ACH transfers tend to be free for the individual who is getting or sending money, unless you have a bank that charges you per transaction. ( think bill pay, or direct deposit). While I don't know what rates Dwolla is getting, I'm going to guess that they're under 10c per transaction, and they may be as low as 1-2 cents per. I certainly hope they are for their sake. What may save them a bunch, in cost and fraud, is if they can do the clearing between their accounts internally, and not hit the ACH network for most transactions.