For the product I’m looking at, either the buyer can pay closing fees or the bank can pay them. Bank paid comes with a higher interest rate, which for my purposes wouldn’t be an issue. It appears the only fees would be an annual fee of <$100 (which seems to be waivable) and early closure fee (which can be solved by just keeping it open) if one chooses the bank paid closing costs. I’m waiting to hear back regarding prepayment fees(if there are any.) The main issue I’m hoping to solve is being shut down for MO deposits. Haven’t had that happen yet, but with current MC promotions and enough working serve cards, I’ve only needed to deposit up to $10k or so MO per month, but the volume will increase significantly if/when those other routes get closed.