So I just happened to need almost the same thing today, and I couldn't really find a good alternative. Wise might be the best option. Chime is the one I ended up going with because I needed a debit card.

(My gym is being scummy and saying their payment processor isn't taking credit cards any more, despite my card on file working just fine until now. And they say they need the debit card and account/routing numbers for EFT. It's a load of bullshit. So they get a separate account entirely.)