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Learn How to Buy Bitcoin With Bank Account (in 6 mins)Coinbase allows its users to easily buy Bitcoin by directly transferring their money from the bank account, and this is a standard procedure to buy BTC with ACH. The ACH bank transfer system typically takes business days* to complete after initiating a purchase. Once Coinbase receives the payment and the transaction. Fund your account with USD or crypto. You can deposit US dollars via ACH for free and have instant access to your funds. No need to wait days to start.