I can't google anything about BoA and iachs.
Among the bigger USD exchanges, I've found that CampBX
doesn't require KYC for smaller-sized accounts and with trading caps. And they provide
ACH withdrawal for just $2. For $100 transactions, this amounts to a fee of 2.55% including the trading commission.
Your suggestion of finding a broker sounds like selling btc via a reputable person on localbitcoins? Is that likely to be cheaper?