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Fiat to crypto. Can I buy cheaper somewhere else?

Edit: This is using my checking account. The fee is a LOT more if I pay with a debit card (available to transfer immediately).

Use your checking account but don't send it to Coinbase send it to Coinbase Pro and send an ACH it's free. Trades are free if you bid/buy .01 cent under the spot price. Withdraws are free .....
Free is good :)