I'm not sure about Circle but I know that Coinbase offers the same thing which means you can buy Bitcoins Instantly using your Bank account and they will debit the money in two or three days , so that should be your best alternative in case you can't use Circle anymore .
Are you sure Coinbase gives you your coins instantly when you fund your account from the bank account and not a credit card? They are using ACH and I think that you have to wait for the money to appear in your coinbase account.
I might be wrong though!