Buy Crypto with ACH in the US (Lowest Fees) — Step-by-step
Step 1) Pick an exchange that supports ACH (bank transfer)
To keep costs low, look for free ACH deposits and a low-fee “Advanced/Pro” trading screen.
Examples (official sources):
Coinbase: “No fee charged… for ACH” (deposits/withdrawals)
Kraken: ACH deposits via Plaid “with no processing fees.”
Gemini: “does not charge any transfer fees on wire or ACH deposits.”
Binance.US: bank transfer (ACH) to deposit/withdraw USD “with zero fees”
Step 2) Create account + verify identity (KYC)
Most US platforms require verification before you can use ACH funding and higher limits.
Step 3) Link your bank (ACH)
Go to Funding/Payments → Add bank account → connect via Plaid or manual routing/account + verification (depends on platform).
Step 4) Deposit USD using ACH
Deposit USD via ACH. ACH often takes a few business days to fully settle (some platforms credit immediately but restrict withdrawals until settlement).
Step 5) Buy crypto using the lowest-fee method (important)
To minimize fees:
Use Advanced/Pro/ActiveTrader (not “Simple Buy/Instant Buy”).
Prefer Limit orders (maker) over Market orders (taker) when possible.
Fee examples:Coinbase (exchange fees): maker 0.00%–0.40%, taker 0.05%–0.60% (volume-based)
Gemini ActiveTrader: maker 0.20%, taker 0.40% at lowest tier
Kraken Pro (ranges shown in Kraken’s “lowest-fee exchanges” article): makers 0.00%–0.25%, takers 0.08%–0.40%
Step 6) Optional: withdraw to your own wallet
If you move crypto off-exchange, you’ll usually pay a network fee (varies by chain).
Tip: do a small test transfer first and double-check the network/address.
Lowest-fee checklist (quick)
✅ ACH deposit (usually free) instead of card payments
✅ Use Advanced/Pro trading view
✅ Use Limit orders when possible
❌ Avoid instant buys when your goal is the lowest total cost (they can include spreads/extra costs)
If you tell me which platform you want (Coinbase / Kraken / Gemini / Binance.US), I’ll customize the steps to match that exact app menu names.
Conclusion:
Buying crypto with ACH in the US is one of the smartest ways to keep costs low—link your bank, deposit via ACH (often free), then use an Advanced/Pro trading screen and limit orders to reduce fees and avoid expensive “instant buy” spreads. And while you’re building your crypto or finance content, YouTube Bulk views helps you by boosting early visibility and engagement so your videos reach more people faster.
