April 2021: Where can I buy ETH with LOWEST fee and in NY State while using a Bank transfer?

Hi,

I live in NY State and yesterday while trying to set up my Binance.us I received a "STOP" message from them saying that I can not do it (since my ID is from NY State).

Later, I tried the same with Gemini but the page with my phone number "freezes" and never gives me the chance to receive a confirmation code (I can not set up the account). After that I sent them a request to know WHY I can not get the code (may be because my phone number is associated with TextNow, an app type,…. and not ATT, Verizon or T-Mobile?).

The truth is that this is very frustrating and time intensive.

Can someone help me with:

1) Where can I buy ETH with LOWEST fee and in NY State while using a Bank transfer?

2) Would you recommend using Metamask to keep part of my ETH safe (out of the exchange)?

3) If you had little savings (probably enough for a down payment in USA) would you invest it all in crypto? Side note: I hate Wall St, Bankers and Hedge Funds that made the whole Housing Bubble possible (and many other financial/war disasters around the world). As you can tell I never invested in anything before but I am sick and tired of others (Banks) making money with my money.

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Thank you.