Best/cheapest way to send funds to Binance for trading?

I have been researching this for some time and I haven't been able to determine the best way.

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I would like a way where I pay either no fees or as little in fees as possible.

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I was considering doing a SWIFT bank transfer, but after reading about so many people having their money tied up for weeks at a time before it reaches their Binance account and having to send multiple emails to Binance and threaten legal action, I am a bit nervous to do that (especially since my name on my Binance account and bank account are not EXACTLY the same - they're more like Jess Smith and Jessica Smith).

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Other options seem to doing bank transfer to coinbase pro, converting to a low-fee currency like XLM or ALGO and sending that Binance. I have been using this method up to now (except I'd been sending the funds as USDC) but I seem to remember coming up against multiple fees: fees in converting USD fiat into XLM or ALGO and then coinbase pro network fees to send it to Binance. And then on Binance I'd have to convert it from XLM or ALGO to USDT in order to use the money to trade. At each step of the way, the fees may be small, but when you have several steps it adds up.

What systems for transferring funds have you found that are best?