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I'm in the US and want to buy some Bitcoin directly from my bank account using ACH to avoid credit card fees. But I've heard mixed things about how long ACH transfers take – some say days, others say it's faster now. I'd prefer to use a platform that's reliable and doesn't hold my funds for a week. Also wondering about limits and whether I need full verification for a smaller purchase. Anyone with recent experience buying BTC with ACH? Would love to know which service you used and how it went.

I was in your exact situation last month – wanted to use ACH for the lower fees but didn't want to wait forever. I ended up using Paybis and it was surprisingly smooth. You can buy bitcoin with ach instantly in the sense that the purchase is initiated quickly, though the transfer itself takes a couple business days as ACH does. The good part is they let you lock in the rate and they credit your purchase once the transfer clears. Verification took under 2 minutes, and you can buy up to $1000 without full KYC if you're in a hurry. They're regulated in the US and have solid security. Much simpler than dealing with traditional exchanges.

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