I'd like to load my circle.com account through my US Bank Account but not buy the BitCoins until my account receives the money from my US bank (ie 5 days). I've done one successful load from my bank account, but I only get $100 instant and need to wait for the remaining $900 to clear.
I don't want to be subject to the currency fluctuations while my money is transferred. How can I accomplish that?
Instead of using Circle, use Coinbase. It has an on-site USD wallet now, so that you can buy and sell from it instantly. Then you can load the wallet with $1k (wait 5 days or whatever for it to be deposited), and then convert when you're ready... instantly! You can also trade back and forth when you want with no delay.
I have an account with Coinbase as well and I like the fact that you can convert bitcoins into almost any currency in the world with great ease.