Coinbase has dropped direct deposit support for most credit unions.

This leaves you with two options:

• Sign up for a big bank (or one of the few supported credit unions, but none in my city appear to be supported for example, and traveling to another town to deposit money is an inconvenience)

• Accept credit / debit card fees of 10% for small purchases (like buying $10 USDC to use with the Coinbase Card, which I used to do all the time) or ~4% for larger purchases.

Basically there are now very few fiat penalty-free onramps for Coinbase which don't require you to keep your fiat in a big bank. Bit contrary to the anti-big-bank crypto ethos, isn't it?

EDIT: Also wanted to add that it's not just Plaid (which posted "Now supporting Auth for every bank and credit union in the US" in 2019). Coinbase's manual verification also failed with my credit union.