How do I know if I have been verified?
If you haven't done any verification [reference below], your account is probably unverified. Go to your Account's "Settings" tab to verify your account.
How do you verify accounts?
Basic accounts require users to submit their name, address, and birth date to us. We verify it through public records. If we can verify you through public records, we will accept your application for a basic account. If that fails as well you will need to proceed to an enhanced verification.
Enhanced accounts require users to submit scans of their identification and selfies. Our service provider, Jumio, uses a number of heuristics to verify that the ID are legitimate and the faces match.
As stated by the other user above, most people has a slim chance of getting on tier 2 (Basic Account) so you should be prepared to submit tons of documents.
After withdrawing, you can then find another exchange where you can sell your altcoins for fiat and get it transferred at your bank acc.
I know a few ones but I won't recommend them for various reasons. If I we're you I will just find another user who's willing to buy my altcoins for his fiat of course with a trusted escrow as a middleman.