The easiest way I have found to get BTC with FIAT is with CashApp. You just connect your bank account and verify. This can take a couple of days but once the account is verified and connected you can buy BTC and it is immediately available. I have waited 2 weeks for Coinbase to make my funds available.

Also with CashApp you can easily transfer $$ or BTC to friends or family and you can use it for Direct Deposit as well.

I use the app quite a bit. If you are interested you can use my ref link cash.me/app/RVCWSMW