The fee is so minimal ($25/mo per bank / $0.05 per transaction) that any bank that even attempts to pass it through is really doing a disservice to their account holders. That said, I put nothing past Wells Fargo or Bank of America.

Given that the sender pays the bulk of the transaction fee, and smaller customers are more likely to send a lot than receive a lot, I suspect the $0.045 to be passed through. Of course, merchants might want to eat the fee by charging $0.045 less in order to encourage people to use this instead of credit cards (which are far costlier to merchants, and can incur chargebacks).