Bitcoin deposit and withdrawal rates equal or not
However, deposits and withdrawals are not functions of Bitcoin or the Bitcoin network. They are features of the types of financial institutions that the inventors of Bitcoin wanted to avoid.
The exchange rate can be an exchange rate between two currencies. Most exchange rates either charge a commission or have a spread between buy and sell prices. Some exchanges have both. The inventors of Bitcoin reiterated that eventually no money needs to be exchanged between currencies. You would receive your pay in BTC, buy your coffee in BTC, pay your bills in BTC and so on.
Can I deposit at the local bank?
The inventors of Bitcoin wanted to abolish the banks. You are your own bank.
I do not know of any well-regulated banks offering BTC current accounts.