> charging $25-$40 for ACH Transfer fees (per account)
Do you mean ACAT fees? I haven't seen many accounts charging for ACH fees as those are basically free. Only Wise (Transferwise) charges for it from my experience.
If it's ACAT fees, a lot of brokerages (not Vanguard) will reimburse you the fees if the account balance you are bringing in is big enough, I've noticed.
I would assume it's very similar to bone apple tea. Hearing the word before you've read it, so spreading organically from a mistake.
https://old.reddit.com/r/BoneAppleTea/