Have you ever think to use
Bisq?
https://bisq.network/markets/?currency=btc_usdIt's a decentralized exchange with no authority over your funds. You just need to install the software, add your bank account numbers, deposit your bitcoins and start trading with people.
...people who won't bother you with any kind of verification and chexsystems, or not recognizing your bank details.
If you need to receive money with something else than a bank account, you can also use it to receive with US Money Order, cash with F2F...
