BBob
WKR
Hmm...not on Coinbase. A couple of people I know just started new accounts and they had no issue linking a bank account and buying immediately. I didn't have any issues when I started either. I switched pretty quickly to CB Pro for the lower fees. You can buy immediately after a transfer of USD but can't trade that buy until the transfer fully clears. I'm not sure and wondering why you are so delayed.Coinbase & Binance are 2 of the most used crypto exchanges.
Some won't allow you to open an account if you live in certain states.
Opening an account in either one is a multi step verification process. If you don't already own any crypto that you can transfer you will have to go through a lengthy wait period to be able to fund the account with USD (fiat verification).
This could potentially take up to three weeks. I'm currently on day # 10. Very frustrating to say the least.