“Tired of plain-vanilla banks and bucks?  A fleet of upstart companies and even old ones with new offerings are betting yes. Offerings range from innovations, such as virtual currencies, to older ones, such as company credit unions, that can save you money. ‘Most places these days want to be one-stop shops,’ says Robert Laura, president of Synergos Financial Group in Howell, Mich. Meanwhile, banks are dinging people with ATM fees or overdraft protection. Laura warns buyers to beware. Watch out for limited services or high fees. Not every alternative money source may be for you. Some are works in progress. That said, here are six banking alternatives on the rise.”