I want to deposit monero in an exchange, convert to usd, and then acl to my bank account in one step. I don't want to monkey about converting to usdt and then shuffle it to coinbase incurring fees and taking extra hops.

Binance.us – DOES NOT HAVE MONERO

Kraken – DOES NOT ALLOW MOST US STATES

???

Which exchange has all of these concurrently:

1) monero

2) bank account automated clearing house (acl)

3) in USA

Thanks