ACH uses U.S. banking rails to move USD from your bank account into a crypto purchase. Funds must fully settle before crypto is released. After settlement, assets are delivered directly to your wallet.
Select how much to buy and where crypto will be delivered.
Confirm bank details and approve the ACH transfer.
Funds clear through standard bank settlement schedules.
After settlement, crypto is delivered to your wallet.
ACH is not built for speed. It is built for pricing, predictability, and regulated settlement. This method is designed for buyers who plan ahead.
ACH avoids card network fees and chargeback risk. That efficiency translates into lower overall costs for larger or repeat purchases.
ACH follows known banking schedules. There are no surprise reversals after release and no instant execution without clearance.
ACH supports higher transaction sizes without the limits and friction common to debit and credit cards.
ACH follows regulated U.S. banking rails. Fees, limits, and timing reflect how those rails operate, not artificial speed claims.
ACH avoids card network processing and chargeback risk. That efficiency typically results in lower total fees compared with debit or credit cards.
ACH supports purchases from $10 up to $20,000 per transaction. Limits may vary based on verification status and compliance rules.
ACH transfers typically take 3 to 5 business days to fully settle. Timing depends on your bank, weekends, and holiday schedules.
Crypto is released only after funds fully clear. Failed or reversed transfers do not release assets. There is no long-term custodial holding.
ACH transfers follow established U.S. banking rules. Funds clear first. Crypto is released after. This structure protects execution, pricing, and delivery.
Bank transfers must fully clear before crypto is released. There are no shortcuts, instant releases, or settlement bypasses.
Identity verification may be required based on amount and risk. This prevents failed transfers, reversals, and blocked payouts.
Once funds settle, crypto is delivered directly to your wallet. Assets are not held indefinitely after settlement.
Risk checks run while funds are moving, not after delivery. Unusual activity can pause execution before crypto is released.
Different rails serve different needs. This comparison shows delivery timing, purchase size, control, and best use cases so you can choose confidently.
ACH and wires prioritize banking controls and planned purchases. Cards prioritize ease of use. In-store cash deposits and Bitcoin ATMs prioritize immediate, guaranteed cash execution.
Buying Bitcoin with a bank account in the United States is commonly done using an ACH bank transfer. ACH allows you to move USD directly from your U.S. bank account into a crypto purchase using regulated banking rails.
When you buy crypto with ACH, funds do not move instantly. ACH transfers follow standard U.S. settlement cycles, typically taking three to five business days to fully clear. Once settlement completes, crypto is released and delivered directly to the wallet you selected.
ACH is often used by buyers who want lower fees than cards, higher purchase limits than instant methods, and a predictable settlement process without initiating a wire transfer. This makes ACH a common choice for planned Bitcoin purchases funded from a U.S. checking account.
Crypto Dispensers supports ACH purchases for Bitcoin and other major cryptocurrencies through regulated partners. All pricing, limits, and delivery details are shown before confirmation, and crypto is released only after funds fully settle.
These answers cover settlement timing, delivery rules, and what happens if a bank transfer does not complete as expected.
ACH transfers typically take up to 5 business days to fully settle. Once settlement completes, crypto is released immediately to your wallet.
ACH is a bank-based transfer system. Funds must fully clear before crypto can be released to prevent reversals, failed transfers, and pricing instability.
Crypto is not released until settlement completes. Once cleared, assets are delivered directly to the wallet you selected. There is no long-term custodial holding.
If a transfer fails or is reversed by your bank, crypto is not released. You are not charged for delivery until settlement completes successfully.
Cancellation depends on your bank and the settlement stage. Once funds fully settle and crypto is released, the transaction cannot be reversed.
ACH supports purchases of Bitcoin, Ethereum, USDT, Litecoin, XRP, and other supported assets. Available options are shown during checkout.
Verification may be required depending on transaction size, account history, and compliance rules. Higher limits typically require additional verification.
In most cases, yes. ACH avoids card network fees and chargeback risk, which often results in lower total costs.
Settlement begins immediately after authorization. Crypto is delivered to your wallet once funds fully clear through U.S. banking rails. You review all details before anything is released.
