Best Way to Turn USD Into Crypto for Americans?

As title says, I’m wondering the most efficient/cost effective way to turn USD directly into crypto as an American. I’ve been buying crypto for a couple of months now and from what I can tell, exchanges like Binance.US, Coinbase Pro, etc., will all put a hold on any money you transfer to their exchange for at least 5 days, and that is simply too long to wait in the world of crypto. To get around this I’ve been purchasing directly from Trust Wallet, but the third parties seem to have a lot of fees, and on top of that Moonpay has now stolen $150 from me. So I was wondering if I could get suggestions on the best ways to buy cryptos for Americans, thanks!