Dan Chodos explains that funding a Fidelity Crypto account requires a two-step process of transferring money from an external bank to a Fidelity brokerage account, then from the brokerage account to t

“You're going to fund your brokerage account by transferring money from your external bank to your brokerage account. And then you're going to move that money over from your brokerage account to your crypto account. So we think of it as a two-step process-- bank to brokerage, brokerage to crypto.”