Hi Stellabelle. Breadwallet is a good wallet for iOS, another good one is the CoPay wallet. I haven't used BitShares a lot so in my case the way it would probably work is:
- Transfer my Steem to Bittrex exchange
- Sell it for Bitcoin
- Send it to my Breadwallet or CoPay wallet
- Send it to Circle
- Have Circle deposit it to my bank account using the debit/atm card I have on file with them.
You should always send funds from your own wallet to Circle, rather than from exchange wallet. These services have government regulations they have to follow and if they suspect, or mis-identify a transfer as a gambling or other illegal activity they will freeze your account. So it's always best to send from your wallet so they don't confuse the transactions source.
That said... Circle is a fantastic service. The bank transfers are usually instant when withdrawing from your bank, but have to go through the "usual" banking delay when depositing to your bank (not Circles fault).