I admit that I am excited to see Steem under $.10!

Obviously none of us want it to remain that low, but since it is at this time, I wanted to make a big power up and buy over 10,000 Steem. I have never purchased any cryptocurrency, although I already have accounts set up on Coinbase, Poloniex, and Blocktrades.

To me, Coinbase seemed to be the easiest to understand, so I was on there last evening. At first, I entered in my bank card number to purchase Bitcoin, then realized there is a $100 limit imposed by the site. So I cancelled my bank card information and attempted to enter my bank account information to get a higher limit, but it seems that if my bank name is not listed on the site, I cannot use it. Frustrated, I went back a step and began entering my bank card information again, but I could not proceed. I got locked out for 12 hours. I was about to snap, but I calmly shut everything down and called it quits for the night. However, I had difficulty falling asleep, fearing I had missed out on the lowest price Steem would ever reach.

I am asking for suggestions on the easiest, most efficient way to turn my US Dollar into Steem. I want the most direct route, with the fewest "convenience fees" and "middle men". Please remember that I am new to all of this, so the simpler the explanation, the better.

Maybe this delay is a good thing. Rather than buying Steem at $.094, I may get it cheaper yet. Who knows?!

Thanks for your help!