If you link a US bank account and use it to buy cryptocurrency, Coinbase charges a 1.49% fee on the total transaction amount, which is significantly cheaper than using a debit or credit card.
This addition explicitly specifies the 1.49% ACH fee, providing clarity on a commonly-used payment method that was previously only mentioned generically.
View full change record →Consumers who fund purchases via ACH bank transfer pay 1.49% in transaction fees compared to 3.99% for debit cards, meaning choosing the right payment method can cut transaction costs by more than half on every trade.
Cross-platform context
See how other platforms handle Bank Transfer (ACH) Fee Structure and similar clauses.
Compare across platforms →Bank transfers are the most cost-effective payment method on Coinbase, and consumers who are unaware of the fee differential may unnecessarily pay two to three times more by using a card instead.
REGULATORY FRAMEWORK: ACH bank transfer fees implicate the Electronic Fund Transfer Act (EFTA, 15 U.S.C. § 1693), Regulation E (12 CFR Part 1005), and NACHA Operating Rules governing ACH transactions. State money transmitter licensing laws (notably NY, CA, TX) impose requirements on how fees for bank-funded transactions are disclosed. The CFPB has authority to examine and enforce against money transmission companies under its larger participant rule.
Compliance intelligence locked
Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.