One way to save if you have several balances to transfer would be to negotiate for a single flat fee. Next, if the fee-waiver request is denied, try to get the fee capped at something you think is reasonable -- say, $50 or even $100, which is a lot better than 3% of a huge balance.
endocytosis - process by which a cell takes material into the cell by infolding of the cell membrane; phagocytosis - process in which extensions of cytoplasm surround and engulf large particles and take them into the cell; pinocytosis - process by which a cell takes in liquid from the surrounding environment
Sometimes cells need to transport large quantities of substances, too much for passive and active transport to cope with in the time available. They use a process called cytosis. Vesicles, small 'bags' made from the cell surface membrane itself, carry material into the cell (endocytosis) or out of the cell (exocytosis).