Monzo bank in UK does seem to be an actual bank, but in the US they're partnered with Sutton Bank.
MoneyLion seems to partner with MetaBank. Stash is partnered with Green Dot Bank.
Most, if not nearly all, seem to have partners for the banking side - though it's worth double checking.
Monzo bank in UK does seem to be an actual bank, but in the US...
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