I have a checking account with Capitalone360 and another with a local credit union, and some exchanges let me me hook them up directly for funding/withdrawal (Coinbase, Gemini, CEX) while others do not (Kraken, Bittrex, Poloniex, Livecoin).
Bittrex, Poloniex and Livecoin are all altcoin exchanges. None of them deal with fiat, just different cryptocurrencies.
Also, what's up with US banking regulations? Why are we banned from so many exchanges?
It mainly depends on your state. For most states you should be okay trading at
GDAX (Coinbase's dedicated exchange) or on
Bitstamp, and I would personally trust those exchanges despite all bitcoin exchanges being slow/having terrible customer support.
It isn't all that hard trading in the US if you can provide ID, but if you're really have trouble you can always trade P2P on
LocalBitcoins.
I'm noticing a ton of exchanges who won't work with US customers at all (OKCoin, Bitfinex, Quoine, Yobit)
OKCoin is a Chinese exchange, and trust me you do
not want to be dealing with YoBit.