When you set up a $15 deposit, you end up sending $12; no exchange charges a $3 transfer fee, meaning you are sending less than the amount displayed on the screen. When you initiate a $15 deposit, we display the exact amount required, yet you send an insufficient amount I hope that makes sense. We do not charge any deposit fees; we even cover those costs ourselves. You are simply sending an insufficient amount; it has nothing to do with transfer fees you are knowingly sending less than required. We have added the balance to your account anyway, but we are telling you not to repeat this. When you create a $15 deposit, you must send $15, not $12.