Good Money does the opposite, in a half-dozen different ways. Technically a mobile wallet, Good Money lives on your phone and holds both regular and crypto currencies. It can be used at any ATM, with zero annual fees, no ATM charges, and an interest rate a hundred times larger than most banks. Customers also become owners. Put money into Good Money and you get an equity share in return, while the company funnels 50 percent of their profits into impact investments and charitable donations.