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?
You can't. Money you load into your Circle account gets converted to BTC at current market rate automatically. Having said that, I have only a credit card linked to my Circle account, not an actual bank account, I suppose there might be some subtleties I'm not privy to. Deposits you make using a debit/credit card is instantaneous so you don't have to worry about market fluctuations. Only thing is, with a CC you have a limit of $500 per week.
Hopefully someone else can help you with the bank account thing. Good luck!