Cheaper than Callcentric and Les.net, and supports SMS with app
Talkatone http://www.talkatone.com
TextNow http://www.textnow.com - also offers mobile service, similar to Republic Wireless
GrooveIP https://snrblabs.com/GrooVeIp - Android only, limited use for free
Visual voicemail and robocall blocking
YouMail https://www.youmail.com
My Visual Voicemail https://play.google.com/store/apps/details?id=com.vna.service.vvm
CallControl/EveryCall https://www.callcontrol.com/
Truecaller https://www.truecaller.com/
Should I Answer? https://www.shouldianswer.net/
Nomorobo http://nomorobo.com/ free for (some) voip lines
Hiya https://www.hiya.com/products/app recommended by AT&T, freemium
Some people on Google Play reviews say it works with Mint if you disable the dialer's visual voicemail feature and WiFi calling and turn off WiFi during activation.
$5/month as of 2023
Free version transcribes the first 10 voicemails a month. Still requires conditional forwarding setup like YouMail, but reviews pretty well.