I'd say try to trade it for bitcoin. There some online crypto exchanges you can use to trade your Steem/SBD for bitcoin. Then you can just sell your bitcoins for fiat into your bank account.

You will have to jump through some hoops though I'm sure. Exchanges can have fairly high limits for minimum transactions, so you might need to save up more rewards or find an exchange with low minimums. Then there's registration and possible KYC/AML requirements. I'd recommend using a Bitcoin ATM if you have access to just get cash. Then you don't have to give up your bank info to an exchange.

Good luck!