Which Exchange/Service has the quickest fiat deposit and waiting time for withdrawal?

Which exchange have the quickest turn around time from Bank Deposit with zero fees (ACH) to allowing you to withdrawal whatever coin you swap to?

I understand there are some services that allow debit card/GPay/Apple Pay etc for nearly instant turn around time but at the cost of fees.

I am more curious of any type of service that allows FREE (ex ACH) deposit and the fastest turn around time on withdrawal.

Kraken: 7 Days
Coinbase: 7 Days

Seems like 1 week is the standard.

Any other services that allows instant fiat on-ramp with minimal fees if the above is the best there is for US residents?

Binance.us does USDT top up for a 1.5-3.1% fee.
I am not familiar with other services that do similar, anything else that does the same for less fees?