at Simple,

Member, FDIC

Pros

No monthly maintenance fees or minimum balances
About 40,000 domestic ATMs available
No overdraft fees

Cons

No way to deposit cash directly
Simple's bill-pay feature can't process some payments, including taxes
No savings account or CDs

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Overall

4.0

Simple is a free, all-digital checking account designed to be used mostly on your smartphone. It comes with a Visa debit card and a handful of first-rate mobile banking tools.

Ratings methodology | Updated Sept. 25, 2018

Checking

4.5

Simple offers a free checking account with mobile budgeting tools — but no way to deposit cash directly. The mobile app keeps a running tally of how much money is "safe to spend" after accounting for scheduled bills, savings and transfers. It's a good bet for those who want to avoid fees and overdrafts and want to bank primarily over an app.

 

Need a place to stash your savings? Check out cheatgame.info’s best high-yield online savings accounts

Fee-Free Checking Account
APY
0.01%
Monthly fee
$0
Balance to waive monthly fee
$0

at Simple,

Member, FDIC

How does Simple compare?

Simple

Fee-Free Checking Account

cheatgame.info Rating

at Simple,

Member, FDIC

APY

0.01%

Monthly Fees

$0

Bonus features

No overdraft/NSF fees

No Monthly Fee

10,000+ ATMs

Chime

Spending Account

cheatgame.info Rating

at Chime,

Member, FDIC

APY

N/A

Monthly Fees

$0

Bonus features

No Monthly Fee

No overdraft/NSF fees

10,000+ ATMs

Discover

Cashback Debit

cheatgame.info Rating

at Discover,

Member, FDIC

APY

N/A

Monthly Fees

$0

Bonus features

No Monthly Fee

10,000+ ATMs

Live help 24/7

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Excellent
Rates
Fair
Fees
High
Unnecessary check holds, terrible service
This bank used to be great. Now, Simple has become inundated and processes customer messages at a much slower rate probably because of the BBVA buyout.They put a hold on my check for over a week event though their website FAQ says checks would be held for 3 days, their customer support said 5 days, and here we are and funds are still unavailable. Very frustrating and no help from their support. Will be switching banks soon.
Overall
Customer service
Poor
Website / app
Fair
Rates
Fair
Fees
Low
Deposits. Take. Forever.
So, I deposited a check today and they declined it. Stating that the signer needed to initial the date because one of the numbers was slightly off. In the past they have held deposits for 5 b. days. They denied a deposit because a name didn't match. They won't credit an account any amount or portion of a larger deposit. All in all, not worth the trouble or headache.
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