Replace your bank and earn 2.02% APY

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Hi there, we're Simple

  • Earn up to 2.02% APY
  • Online checking account
  • Built-in budgeting and saving tools
  • Quick direct deposit set-up
  • No overdraft fees
  • Instant push notifications for every swipe
  • Over 40,000 totally-free ATMs

How to get 2.02% APY

  1. Open a Simple Checking Account
  2. Open a Savings Goal (which lives inside a Protected Goals Account)
  3. Move $2,000 or more into your Savings Goal


That’s it!

Now, when your Protected Goals Account balance is $2,000 or more, you'll earn 2.02% APY.

All about our new Savings Goal

Some things in life take a little longer to save for, but are no less important to feeling confident with your money. Whether you’re squirreling money away for an emergency fund, a wedding, or a college fund, a Savings Goal makes it easier. Everything you save lives close by in a separate account, so you won’t accidentally spend it. Learn more about Simple Protected Goals.

Let's compare, shall we?

We built the Savings Goal to help your money grow with an amazing 2.02% APY. So what’s so great about our rate? 2.02% is more than 30x the national average.1 Let’s take a look at some other saving tools, and some of their drawbacks:

Interest you'll earn after 12 months

In just a few clicks, you can be on your way to earning 2.02% APY on a Savings Goal. Get started today!



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Like a bank, but Simple

As you’ve probably noticed, we’re not like your average bank. Banking shouldn’t be complicated. Or unfriendly. We don’t profit from customer confusion. We wake up every day excited to help our customers feel more confident with their money.

The Finest Print: Rates are effective for Protected Goal Accounts opened by October 31, 2018. Accounts subject to approval. As long as you keep at least $2,000 in your Protected Goal Account (this is where your Savings Goal lives) you’ll earn 2.02% Annual Percentage Yield on your entire balance. Dip below and you’ll earn 0.01% APY on your entire balance. Rates are variable and are subject to change after the account is opened

1 Check it out for yourself (based on the October 1, 2018 National Rate): https://www.fdic.gov/regulations/resources/rates/