Re: [OFFICIAL]Bitfinex.com first Bitcoin P2P lending platform for leverage trading
No one can get fiat in unless they are in one of the states where they are licensed as a money transmitter.
...or lives in the SEPA Zone. 
A deposit is credited within hours, max. 1 day usually. Maybe you can fax checks in the US? 
I personally have SWIFT wires credited in and out within 24 hours so long as I recognize US business vs. HK business hours. SO I instruct my bank to wire the money before the start of business US time, and than it is waiting when Asia opens (in the evening US) and I am typically credited that same evening / early the following morning.
So far I have had no issues with this. So cheers to BFX for doing such a good job with this! I'm sure it's no easy feat.
( The reverse is also true - withdrawing, but the hours are reversed obviously, because SWIFT is mostly manual for banks )