and one takes minutes, they want bank log in info, and it takes just minutes to verify,
You've got to make your own choices, but there are several threads here on coinbase --particularly, bad ones. Check the scam accusations thread, check
my own list of scams, etc. Not only is it a poor avenue for exchanging in the first place, but handing over your login credentials to a third party is insane. I realize a growing number of services are "innovating to the next level" with the sort of bullshit, but that doesn't make it any less insane, just more common.
Learn to WoT, and don't get stuck in these binds where you'll have to do the wrong thing to get what you want. It'll make life much more enjoyable, and you won't potentially be supporting the asshats of the world in continuing on with their asshattery.