Does my bank allow crypto?

Yes. Every US bank and credit union lets you buy crypto — none of them prohibit owning it, and debit cards from all of them work at Anytime Capital, a licensed US money services business. Several large issuers blocked crypto on their own credit cards in 2018, but we accept those cards, and ACH and wires work regardless.

The documented 2018 blocks: Capital One in January; Chase, Bank of America, Citi, TD Bank and Discover in February; Wells Fargo in June; and USAA. Those issuers still publish that position, which is why their cardholders are used to being declined at crypto sites. Anytime Capital accepts those cards — whether a given transaction authorizes is still the issuer's decision.

A bank controls its own cards and transfers, so it can decline a specific card transaction. It cannot stop you owning crypto, and no US bank tries to. Even at the strictest issuers there is always a working route: the debit card, ACH, a wire, Apple Pay, or cash at one of our branches.

Almost always one of three ordinary reasons: a first-time fraud screen (approve the text your bank sends and retry), a daily card limit, or a credit product whose issuer declines crypto. Switching to the debit card or Apple Pay clears it in most cases; for larger amounts, a wire has no card ceiling at all.

Buying at a licensed, US-regulated business is ordinary account activity. Account problems generally trace to fraud patterns or peer-to-peer deals with strangers, not to purchases from a verified money services business. Keeping crypto activity at licensed platforms is what makes it unremarkable to your bank.

In our customers' experience the smoothest are the online banks and fintechs — Ally, SoFi, Axos and similar — which publish no blocks and have clean ACH. Charles Schwab is the most reliable for wires. The strictest first-purchase card screening comes from PNC and Bank of America. Each institution's specifics are one click away in the table above.

A debit card is fastest — verification and delivery take minutes. A wire is the right rail once an order outgrows a daily card limit: there is no ceiling, the funds arrive as cleared dollars, and our OTC desk quotes a firm price before you send. Send it from an account in your own name; third-party wires cannot be accepted.

Yes. App-first accounts like Chime, Varo and Current don't originate outgoing wires, so their customers use the debit card or an ACH transfer instead — both fully supported. If you also hold a traditional bank account, its wires work here for larger orders.