BUt why are you using coinbase? there are others exchanges that are cheaper than this to buy Bitcoin and other crypto for FIAT (Kraken, TheRockTrading, Bitstamp for examples)..
Probably because Coinbase is the easiest to use for him.
The 'After Waiver' portion that you're asking about is something that is at Coinbases discretion based on what you pick, so if you did pick your bank account they should have went ahead and gave you the cheaper rate (as that is the rate that they agreed to do)
Though if you do go ahead and ask them what's going on, they're going to take some time to respond due to the number of people that are trying to get in touch with them now.