The only thing I use paypal for is online subscriptions because it gives me a central place to manage/cancel recurring payments. Paypal kinda sucks.

Give Varo Bank a look. You get your direct deposits up to 4 days early, you can take 30 day micro loans, they have a 5% savings account. I've been using them since the first started a few years ago. I feel safer keeping my money there rather than a traditional bank because I know it's all backed 1:1 since they don't loan it out, other than their little micro loan program that they only offer to people who direct deposit a large amount every month.