Update on searching for a Coinbase alternative in the US.
Short answer, Coinbase is still the best option.

Coinbase has very high ACH limits and limit buys of only 0.15% if you wait 1 week before buying on Coinbase Pro.
Gemini starts with ACH limit of only $500 per day than goes to $1000 per day. Buy fee is 1%.
Kracken does not accept ACH so wire +fee is the only option.
Cash app appears to be 1.2% above spot.

Please keep this thread updated if you find better fee structure than Coinbase on both ACH and fees.