I recently joined Vystar Credit Union and from my Vystar online banking account, have transferred money on three occasions from my Bank of America checking account. There has been no fee charged to either my Vystar or my Bank of America account. Bank of America states on their list of fees that they charge $3 for ACH transfers to outside accounts (and they have charged me $3 in the past for sending an ACH transfer to my USAA checking account when I initiated it from BOA).
So how have I been escaping the $3 charge? Does BOA not charge when the ACH transfer is initiated outside of BOA?
Also I notice that on my BOA statement it lists the transfers to Vystar as "etransfers" (not ACH). Or is that the same thing? If anyone could clear this up, I would greatly appreciate it. Thanks! 
