CIR exchange rankings

2 Best Crypto Exchanges for ACH Deposits

Compare documented US ACH funding options, settlement considerations and exchange trading costs. Review eligibility and provider terms.

2 ranked picksCIR editorial researchData: Product evidence and tracked offers reviewed individually

Why trust Coin Interest Rate?

Our team independently tracks and reviews crypto rates, rewards and product features to help readers compare more than the advertised rate. We use official provider websites, product documentation and other relevant sources when evaluating products.

80+ crypto platforms tracked across staking, lending, cards and other digital asset products.
Hundreds of rates tracked alongside features, availability and key risk factors.
Independent comparisons. Compensation does not guarantee favorable coverage. Editorial control remains ours.

Read our full methodology

Compare exchanges with documented support for this use case. Eligible platforms are ordered by CIR score; the product details explain costs, access and limitations.

Risk note: Crypto prices and exchange terms can change. Confirm account eligibility, costs and withdrawal access before depositing. Disclosure: Rates and terms change. Some outbound links may compensate Coin Interest Rate. Affiliate terms do not impact our editorial reviews.

The short list

Our picks at a glance

Kraken

Score4.3

Supported feature

ACH bank deposits

Coinbase

Score4.2

Supported feature

ACH bank deposits

Compare the picks

Support and terms differ by product and location. Unknown costs are not treated as zero.

Pick	Ranking	Supported feature	Terms and access	Method cost	Minimum
Kraken	Ranked #1	ACH bank deposits	Eligible US accounts; ACH Plaid deposits carry a seven-day withdrawal hold.	No ACH Plaid deposit fee	1 USD
Coinbase	Ranked #2	ACH bank deposits	US accounts can add cash and cash out using ACH. Settlement and available-to-send balances can differ.	Check transaction quote	Check account limits

Detailed review

Why these options made the list

Kraken

Score4.3

Supported feature

ACH bank deposits

Details: Eligible US accounts; ACH Plaid deposits carry a seven-day withdrawal hold.
Method cost: No ACH Plaid deposit fee
Minimum: 1 USD
Processing: Near-instant trading credit; withdrawal hold applies

Kraken: Eligible US accounts; ACH Plaid deposits carry a seven-day withdrawal hold.

Why consider it

+ACH bank deposits

Tradeoffs to check

!Confirm eligibility for your country, account and exact product before funding.
!Feature support does not guarantee the lowest total cost. Review the transaction quote and any withdrawal hold.

Full review Visit KrakenChecked September 9, 2026

Coinbase

Score4.2

Supported feature

ACH bank deposits

Details: US accounts can add cash and cash out using ACH. Settlement and available-to-send balances can differ.

Coinbase: US accounts can add cash and cash out using ACH. Settlement and available-to-send balances can differ.

Why consider it

+ACH bank deposits

Tradeoffs to check

!Confirm eligibility for your country, account and exact product before funding.
!Feature support does not guarantee the lowest total cost. Review the transaction quote and any withdrawal hold.

Full review Visit CoinbaseChecked September 9, 2026

How we chose these picks

1.We compare publicly listed exchanges in CIR’s directory with documented support for the product or feature covered here.
2.Each exchange has a dated official product source or an active staking offer recorded by CIR. Availability is checked for the specific product and, on regional lists, the relevant country or region.
3.Exchanges with higher CIR scores rank first. Exchanges with the same score are listed alphabetically.
4.Each list compares at least two exchanges. Product and fee sources checked more than 180 days ago are left out until reviewed again. Verify product terms.

Read the full Coin Interest Rate methodology

ACH availability is different from withdrawal availability

A deposit can be available for trading before it can be withdrawn. Compare settlement time and withdrawal holds if you intend to move purchased crypto to a wallet.

Use a bank account in your own name. The ACH rail is a US funding option; state restrictions, bank support and account verification can narrow eligibility.

Frequently asked questions

Does every account have access to these features?

No. Country, state, verification and account restrictions can apply. The source beside each exchange explains the documented support; confirm availability in your own account.

Why are some exchanges missing?

CIR includes only exchanges in its exchange directory that are publicly listed and have current evidence for this comparison. Missing or expired evidence excludes an exchange rather than implying that its fees are zero or that a feature is unsupported.