ATMs

ATMs


Avoiding ATM fees

We do not refund out-of-network ATM fees—but we definitely want to help you avoid them in the first place! We have an ATM finder that makes it easy to find a free ATM nearby.

If you're logged into your account on the web, you can also get to the ATM finder with the following steps:

  1. Hover your mouse over the question mark in the upper right of the screen.
  2. Click Find Fee-Free ATMs.
  3. Fee-free ATMs are marked with red pins. description
  4. Tap a pin to see the ATM's exact address. description

If you choose to use an out-of-network ATM, Simple won't charge a fee, but the ATM owner likely will.

We do not refund out-of-network ATM fees—but we definitely want to help you avoid them in the first place! We have an ATM finder that makes it easy to find a free ATM nearby.

If you're logged into the app you can also get to the ATM finder with the following steps:

  1. Swipe right to pull up the navigation menu.
  2. From there, tap Move Money.
  3. Tap Find an ATM.
  4. Fee-free ATMs are marked with red pins. description
  5. Tap a pin to see the ATM's exact address. description

If you choose to use an out-of-network ATM, Simple won't charge a fee, but the ATM owner likely will.

We do not refund out-of-network ATM fees—but we definitely want to help you avoid them in the first place! We have an ATM finder that makes it easy to find a free ATM nearby.

If you're logged into the app you can also get to the ATM finder with the following steps:

  1. Open the app drawer.
  2. Tap ATM Finder.
  3. Fee-free ATMs are marked with red pins. description
  4. Tap a pin to see the ATM's exact address. description

If you choose to use an out-of-network ATM, Simple won't charge a fee, but the ATM owner likely will.

When the ATM asks you whether you'd like to withdraw funds from "Checking" or "Savings", select "Checking". Withdrawals from "Savings" will be declined. You can withdraw up to $500 from an ATM per day (this resets at midnight Central Time). We're not able to adjust these limits, but if you'd like more cash at once, you can get a cash advance.

Errant fees

Occasionally a fee-free ATM will say that it will charge you a fee. Don't worry—any ATM you find with the ATM finder shouldn't charge you, and if it does charge you in error, just let us knowlet us knowlet us know and we'll refund you.

Do you offer ATM deposits?

We're not able to accept deposits through ATMs, even if the ATM itself is capable of accepting deposits. We're looking into accepting them in the future. For now, the best way to deposit cash is to convert it into a money order and submit it via Photo Check Deposit.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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