Most cost effective way for someone in my situation to buy crypto?

So I am unable to access coinbase and I am still trying to get access to kraken, so that leaves me with binance.US for now

Whats the most cost effective way of buying crypto on binance? This is for someone who literally has 0 crypto and needs to link their bank or something

I know a common method is to link bank to coinbase > deposit USD in exhcnage > convert USD to XLM, LTC, other cheap coins > move XLM/LTC to binance > convert to desired crypto

First off, is the method above actually the proper way to do this?

Second, as I mentioned, I am unable to use coinbase right now, so what are my alternatives? crypto.com?