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Replace Your Bank

With one easy to use, online checking account.

This is Simple

Banking brought to brand new life through elegant mobile design, built-in budgeting and saving tools, plus a support team that’s fully and truthfully on your side.

  • Digital Banking

    Get an FDIC-insured checking account and a Simple Visa® Debit Card, both backed by our partner bank, BBVA Compass.
  • 40,000 totally free ATMs

    That’s more than Chase and Bank of America had in 2016 combined!* Find one near you.
  • Instant mobile notifications

    Stay aware and in control of every transaction.
  • Link your other accounts

    Connect almost any of your checking or savings accounts to Simple, often in just a few seconds.

Everything in its place

Optimize every dollar in seconds with built-in budgeting, tracking, and saving tools.

Use Goals as digital budgeting envelopes

Designed with customization in mind, the Goals feature is nimble enough to replace your extra budgeting apps.

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Organize your spending in endless ways

Categorize purchases, spend from your Goals, and attach all kinds of info to each transaction: photos of receipts (or your friends!), documents, and searchable hashtags.

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Spend safely, spontaneously

Keep money for impromptu spending in your Safe-to-Spend (your available balance after Goals and bills), or give every dollar a specific job in Goals.

Save automatically, spend thoughtfully

Set a Goal, choose an amount and end-date, then step back and let your account go to work for you. Savings so seamless, it’s easy to forget they’re growing.

Grow Goals and track spending all at once

Your Simple account automatically shifts money into your Goals every day, simultaneously tracking your spending. When you make a deposit, your Safe-to-Spend® goes up; when you spend money or move it into Goals, your Safe-to-Spend® goes down accordingly.

Frequently Asked Questions

What kind of card is the Simple Card?

The Simple Visa Card is a debit card issued by our partner bank, BBVA Compass. You can use it anywhere Visa debit cards are accepted, and at ATMs. Since it’s a debit card, transactions that exceed your available balance will normally be declined. We don’t charge overdraft fees or interest.

How do I deposit funds?

You can deposit funds in any number of ways: Direct deposit is the easiest way to fund your account. You can also transfer funds electronically from an account at another institution, or deposit a check by taking a photo of it with our mobile app. We can also accept deposits by mail.

Does Simple rebate ATM fees?

If you use an out-of-network ATM, we won’t charge you, but the ATM owner probably will. We don’t rebate that fee for a couple of reasons. We help our customers avoid ATM fees by offering 40,000 surcharge-free ATMs, and the ability to get cash back at thousands of merchants. Since we don’t charge fees of any sort, we’re not practically able to subsidize the fees charged by other companies.

Does Simple offer competitive interest rates?

Our bank partners' interest rates are generally comparable to those of other banks for the type of account we offer. That said, they are fairly nominal at the moment. If you’re looking for a high-yield savings account, Simple probably isn’t the best option for you. Keep in mind that institutions offering sky-high interest rates usually pay for those rates through fees, balance requirements or spending requirements–all of which run counter to our philosophy.

* As of September, 2016. Source: Bankrate.com