Simple

HIGHLIGHTS

The Simple is now available as a free download on Google Play for Android owners. The application is designed for use in English language. It weighs in at only 10MB to download. The new Simple app version Varieswithdevice has been updated on 2014-01-31. For ensuring consistency with the device you should take into account the following app compatibility information: 2.3.3 and up

As of 09 20 19 Simple support is still staffed with human operators and account specialists that will pick up the phone and talk to you without jumping through hoops battling with an automated system This is good stuff Had account for 5 years no issues Not great for anyone that has to work in cash App is clean goals are easy to use they got rid of direct to mail checks so you have to mail them yourself now but other than that easy to use clean simple                     Sam Young

Using Simple only for interest on savings and the internal transfers method is really buried hidden in the goals area deposits go to the checking I guess the selecting a goal thing may matter if you use the checking for your spending but using it as a savings only w a Protected Goals account choosing a goal doesn t actually count the balance in that account toward your goal Makes no sense Just not an easy too use app         Brian Lane

I was so excited about having this alternative banking solution They let me put thousands of dollars into their bank a few days later they froze my account because it needed verification I have tried to verify many times called them on numerous occasions to the point I wanted to close the account I can t even get my money back until my account is verified but no one has given me any useful information on how to do it so it works     Brianna Brown

I thought this bank was perfect with the 0 fees and budgeting software however there s no reason why deposits need to take three days Also weekends don t count either so have fun waiting around 5 days if you deposit on any days but Monday or Tuesday Not very convenient so I may search for another bank that offers what simple does without the long deposit wait             Tony

Simple has really helped my husband and I to get our finances organized easily and conveniently With no fees and instant transfers they were always fantastic but now they even have paper checks and an option for shared accounts HIGHLY recomend to everyone for easy reliable banking                     Nyomi Paine

I have used Simple for 3 years Overall the experience is great I love the app The biggest downside was the long check holding period for the first 30 days If you get paid with paper checks it s a pain at first but after that first month it s single business day If you get paid heavily in cash pick another bank However twice now a bug in the app adds and calculates money that doesn t exist It ruins the whole app because nothing is accurate If these keep happening I m out                 Drake Watkins

Simple should be renamed complicated Wouldn t allow me to link an account tried several account several times wouldn t take my check deposit because I didn t write mobile deposit on the back won t provide updates to my phone because it s too old yet I can t do deposits from a laptop Myriad of issues making this bank anything but SIMPLE to use         Mj Nussbaum

Overall good software This is why I still use Simple my main gripe is thay they removed the Bill Pay feature so I now have to do a weird workaround to pay my auto loan This is still a very standard feature and it wasn t a good idea to get rid of it so soon in my opinion Some things in this app like protected goals are also confusing and unnecessarily complicated to use Sometimes it feels like I m serving the app not the other way around             Jacob Pritchett

Simple has some really nice features like setting goals for things I want to save up for the ability to budget monthly expenses and see exactly what money is safe to spend so I don t cut into bill money Main gripe with the app is that from time to time it will bug out and not accept my password so I have to reset the password to get it to work                 Rick Elliott Jr

Both my wife and I have had Simple accounts for years They were idle for about a year We recently re added money to the accounts Both cards are failing at point of transaction Problems with the card Probably and maybe even expected But for the life of us we can t get Simple to respond through their messaging platform to our requests for help Very frustrating     Eric Spery

I loved using Simple at first recently they decided to due away with the mail a check option which I used every month to pay my rent There work around was to tell me to pay it in cash or give them money for checks I decided to switch banks afrer that Now they are giving me the run around about transferring money to my new bank I would stay away from Simple     Vito Favaloro

the activity log only shows about 15 of the money that actually goes in and out of your account if you want information on any of the rest you won t get it frequently 50 100 would go missing from my account with no sign of where it went And was only returned back to my account after days of sending messages to support with no response I d sooner trust my three year old nephew with my money     Cale H

Their app is seamless and their customer service is very responsive and helpful Their check cashing software is also accurate I have never had to resubmit a check with them My debit card info was stolen during the British Airways hack and I had to dispute two charges that were made with my information Their fraud dispute team helped me every step of the way providing updates and a provisional refund of the stolen funds I was disputing I can t recommend them enough the lack of fees is icing on the cake                     Brendan Westfall

You have no way to get money out if you lose your debit card A lot of waiting for mobile check deposits and transfers Lots of weird charges and changes to account activity that make no sense You have to wait up to 21 days for a new debit card Cancellation of transfers from one bank to the other without notice making it impossible to close the account or get money when you do lose your card     Donna smith

been using Simple for a few years They recently got rid of bill pay which is ok because i can write checks something rare to online only banking But what gets me now is inability to borrow a small amount the day before payday You see i still have Capital One 360 on the side for purpose of spending a little 100 over the limit with agreement to deposit it back in 24 hours other online banks allow early payday 1 to 2 days These things will truly make Simple a better Bank                 Mr_ Fabulous

For a bank that s totally online you would think you could do everything within the app that you could do on the web site But nope you can t You need to change that Simple Outside of that Simple is okay no fees easy to get set up doesn t bombarded you with adverts begging you to start direct deposit like Chime does                 A Google user

i do not like the fact that the bill pay is going away I still do enjoy simple and have had it for 4 years Never had any issues with customer support On occasion purchases and deposits take a little bit to show up on the account but I assume that realistically is something that will happen with all forms of technology I see in other reviews people have had issues I personally have not which is good It has been very convenient for me and useful                 adam landgraf

I don t usually leave reviews but I had to say how much I love Simple They really live up to their name it was so simple to fix when I lost my wallet and needed a replacement I blocked my card right from my phone and had a new one being mailed to me the next day Simple s customer support team is exceptional fast and super friendly Absolutely would recommend to anyone                     Andrea Porter

I have been using this particulair bank for almost a year now and I m very pleased with the services The only real discrepency that I have is not being able to deposit cash via an ATM or other service Thank you Simple for you banking services                 Tiffany Kersey

the perfect bank no fees ever unlike every other bank or cu simple won t punish you with nsf fees for being too poor the app itself is the smoothest and most intuitive app ive ever used i dont think ive ever actually witnessed this app experiencing downtime they also offer a high interest savings account im forever recommending this bank to others                     Phoebe Walker

Usually a great app but recently when trying to view individual transactions it just sits on 3 dots loading screen It only does it on my personal account not the shared Sent a message to support almost 24 hours ago with no response Will update the review when my issue is resolved         Branden Bailey

I am excited to use but I am having a little trouble getting past the identity verification process My driver s license to verify who I am went through but my address verification still has yet to go through This is the second time I have uploaded a copy of my lease where I live that has my name and address on it The first time the app said that you all were having trouble verifying my address Please fix this I really want to use your service Thank you                     Dad OfSteel86

i have been with Simple since 09 15 but never really used them till 2016 i was also sad when i open the account to soon and discover if i waited i could have possible got a signup bonus when i switched from Google Wallet Used them for awhile never had issues untill 2018 2019 The App would glitch out not show Balance Info nor last transactions on and off out of the blue as well as the desktop UI out of no where they set a Mandatory 2FA SMS that you cant Request off and if you have a phone that does not do sms etc you are told to open a Google Voice SMS is not the best way to save guard anything its been proven to be a joke then you have the LOCK CARD Glitch ah i love this one so embarrassing holding up the line or server comes back saying card was declined More then 5 times i had issues with the lock where it gets stuck server side took 15 then a hangup then a re call 10 15min later to get hold of someone to reset the lock at a restaurant where it did it i open app re lock unlock and worked thank god did not have to call same at the Dollar Tree last week im moving to VARO Money its better and more App Features u0026 Bill Pay and load money at GreenDot Locations 0 Fees bank             Hayden Saures

Great for having a good view of your finances and planning for different goals and expenses I ve been using it for about 5 years now and I m thrilled I m saddened by some of the features that were just removed mailing a check bill pay but I understand and will find a way to cope                     Perry Dunn

Simple has helped me in many occasions and solved my problems as quickly possible there service is very good one of the best banking services out there                     Nova Nova

Glad to see they have checks but they are not preauthorized so can still bounce Be like bluebird and gobank Preauthorized checks are the way No early payday like chime bluebird and gobank Simple better be crypto friendly like I ve heard or I m going back to bluebird Also no electronic checks with simple Very sad         Nikato Muirhead

Wonderful app when I am able to successfully log in If I log off for any reason I am unable to log back in with the correct password The app refuses to recognize it I have reset the password reinstalled the app and resetting my phone Nothing works     Aspen Russell

What can I say I was a simple customer for years They unexpectedly closed my account for reasons not applicable said I m not eligible for an account though I ve read through the agreements and I m eligible according to them My check was unable to update for 2 weeks thus I have been forced into homelessness and relying on a McDonald s to even charge my phone to write this review Avoid at all costs you best believe I m searching for attorneys F     Kenneth Barrett

I m personally really loving this bank so far Their money management tools are excellent and they have good customer service if you use cash a bunch this may not be the best bank for you I m mostly cards and it works amazing for savings and budgeting 6 months in and still best bank I ve ever used                     Tim Morrissey

Biggest problem with this app is they re supposed to text you so that you can access your account but sometimes the texts take 30 minutes in which case the access page you were supposed to enter the digit numbers to get to your account has expired                 A Google user

Worst ap ever The ap wont allow you to link any other bank I constantly have to verify myself through a long drawn out email process where they dont accept half the documents i send The customer service ppl are not very friendly but atleast i can understand them I cant access my money in my account again They shut off my card right before payday Ive made 6 phone calls today a facebook post and spoke with 8 ppl The ap makes me change my password all the time says i entered it wrong RUN     Amanda Volner

In addition to them being free for the account and for the app they are probably the kindest most straightforward people in the banking industry they will work with you they will give you information almost instantaneously And I m very grateful to have them as my bank                     Chris Hill

I ve been with Simple for a few months now and they re simply amazing I see a lot of people are butthurt over the billpay thing Y all are doing too much use your debit card for automatic billing or get a money order and stop cyber whining in reviews If you had any business management AND banking knowledge you would know that it costs Simple money to have the billpay service and it s more effective for them financially to axe their billpay service since they re not a traditional bank                     Rico Falvella

I love this bank Amazing customer service I ask questions and I get straight answers When things go wrong they respond quickly and make things right without making you feel like they are just trying to get you to leave them alone When you are confused or even dead wrong about something they take the time to talk to you like a person and explain things out They let you know everything up front and I have never had any issues with Bill Pay or with Direct Deposit When I send checks to people they get it when Simple says they are going to get it or sooner I just wish more people used them so I can use their cash transfer Its absolutely free Now the Cons Slow Bill Pay 2 to 3 business days But if you plan for that then you are safe Direct Deposit isn t early when I feel like this type of bank should be The money goes right out it should come in right away too Objectively that involves outside elements ATM Fee is minor but still there I use the Cash App to offset this Overall definitely worth the try and for me the main way that I bank Arnie                     Arnavick Tendilla

They ve made a lot of improvements I really like the auto savings and safe to spend take your time setting it up and learning how it works                 Josh Davis

Be careful Your account will be closed if you use zelle pay Make sure you have a backup account     Nate Johnson

Stay away Support is awful long hold times and not 24 7 Expense feature is useless other features are being removed and transfers are slow and limits debit card is cheap and fails frequently Go with a bigger professional and established real online bank     Scott Akonom

highly annoyed apparently you can only deposit 15 checks a month and now I m here sitting on checks because I have to wait until the month is up to deposit them very inconvenient and was told they cannot lift the limit     Renee Sanchez

Updating my review 1 years with Simple Great APP and customer service is very fast to response No issues with service or transactions Wish they would add a running balance to the APP                     David Morrison

The goals acct is awesome Also like being able to add pictures and notes to our purchases If I could make one suggestion however it would be to add a student account                     lost sock