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CoinBase doesn't mention it on their site, but in addition to the 1%, you are also paying the bid/offer spread. So if a bitcoin is worth 13.5 US dollars, you will pay 13.6 at CoinBase and only get 13.4 when you change back into dollars.

BitMe.com lets you deposit cash at any Chase branch for free, and you can take money out via ACH for 25 cents.

All of the ways you suggest are fine for small amounts, but if you are trying to move thousands of dollars into BTC, percentage-based fees matter.



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