I think this is a good question. I would say that the wire fee is incidental to an account though, and isn't a required cost the customer would have to pay, in order to have an account with you. Therefore, it wouldn't be disclosable under §230.4(b) or §230.5.
If it is a subsequent disclosure under .5, you would also be saying it is disclosable under (b)(4). Do you disclose it to new customers? If you do, a change notice would be appropriate.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell