There is no wallet like that all wallets need exchanges before you can able to exchange Bitcoin and transfer fiat to your bank account.
So you can use any non-custodial bitcoin wallet you want but if your problem is the sending fee or transfer cost use Electrum wallet because exchanges withdraw fee is a bit higher compared to Electrum where you can manually set how much fee you want depending on the network status.
Please read the sticky thread
[General] Bitcoin Wallets - Which, what, why?It seems that ACR is a gambling site most of the Exchanges do not support funds from Gambling casino so I think it would be better if you use mixer or use P2P exchange for safety if you want to withdraw them to your bank account.