Linking an External Account

Linking an External Account


What you need to know about External Accounts

You can use External Accounts to link another bank account to your Simple account and transfer funds back and forth. It's a convenient way to fund your Simple account, and we don't charge any fees for these transfers.

Before you get started, there are a few things to keep in mind:

  • You can link up to 5 external accounts with this feature.
  • The account you link has to be a personal account you own, and it has to support incoming and outgoing transfers (most bank accounts do, but some prepaid cards, investment accounts, and the like do not).
  • You can link your external account to Simple using Simple or using your external account if your bank offers that feature.
  • There are lots of fun extra banking details in the Electronic Fund Transfer Disclosure Statement, located within our Account Agreement.

Linking a new account

  1. After signing in on the web, hover the mouse over your name (it's in the upper right corner) and select Manage External Accounts.
  2. Click Link new account.
  3. You'll see some information on how the account linking process works. Click "Continue" to continue linking.

Establishing a link

You'll be prompted to search for your other bank. If you can find it, go ahead and select your bank from the list. If you can't find it, you can attempt a link using your other bank's transfer services, or attempt a link using trial deposits. (When you link an account via trial deposits we send a couple of small transactions, which are deposited and reversed in your account within 1-2 business days. We then ask you to confirm the transaction amounts.) If you'd like to proceed with linking via trial deposit you should see Don't see your bank? and a Next button.

info iconIf your other bank isn't on the list, click here for instructions on linking with trial deposits.
  1. Enter the account and routing number for your other account, and then hit Save.

  2. We'll send a couple of small trial deposits, which will be deposited within 1-2 business days and automatically reversed. They'll appear on your other bank's transaction list, and they'll look like this: External accounts 1

  3. When the trial deposits appear, log onto your Simple account and confirm the external account by entering the amount of the two small deposits (in this case, $0.87 and $0.38). The order in which you enter them doesn't matter, but be careful to enter them correctly; entering trial deposits incorrectly may disable the feature for security reasons.

  4. That's it—you should be all set and ready to transfer funds!


  1. Assuming you're able to select your bank from the list, you’ll see an explanation of the linking process: you’ll be logging into your other bank account through the Simple app.

  2. Enter your username and password for the other bank account. Depending on your bank, they might also ask for a security code or additional verification.

  3. Once you’ve logged in, we’ll confirm that this account can be linked to Simple. There’s a chance we’ll need extra verification from you; if so, we’ll send you a support message with details.

  4. That’s it! The accounts are linked, and you can start transferring funds.

Now that I've linked an account, how do I send a transfer?

If you'd like a step-by-step guide on how to send a transfer check it out here:

Deleting an External Account

  1. After signing in on the web, hover the mouse over your name (it's in the upper right corner) and select Manage External Accounts.
  2. Click the account you want to delete.
  3. Click Edit, and Delete External Account.

Note: External accounts can't be deleted until 60 business days after the latest transfer.

What you need to know about External Accounts

You can use External Accounts to link another bank account to your Simple account and transfer funds back and forth. It's a convenient way to fund your Simple account, and we don't charge any fees for these transfers.

Before you get started, there are a few things to keep in mind:

  • You can link up to 5 external accounts with this feature.
  • The account you link has to be a personal account you own, and it has to support incoming and outgoing transfers (most bank accounts do, but some prepaid cards, investment accounts, and the like do not).
  • You can link your external account to Simple using Simple or using your external account if your bank offers that feature.
  • There are lots of fun extra banking details in the Electronic Fund Transfer Disclosure Statement, located within our Account Agreement.

Linking the accounts

Starting the linking process

  1. Tap the menu icon in the upper-left corner.
  2. Tap Move Money, and then Transfer to or from a bank.

  3. Tap the Link an account plus sign (if you already have an account linked, it will be listed in the From field. Tapping the From field will enable you to add another account.)
  4. You'll see some information on how the account linking process works. Tap Continue to continue linking.

Establishing a link

You'll be prompted to search for your other bank. If you can find it, go ahead and select your bank from the list. If you can't find it, you can attempt a link using your other bank's transfer services, or attempt a link using trial deposits. (When you link an account via trial deposits we send a couple of small transactions, which are deposited and reversed in your account within 1-2 business days. We then ask you to confirm the transaction amounts.) If you'd like to proceed with linking via trial deposit you should see Don't see your bank? and a Next button.

info iconIf your other bank isn't on the list, click here for instructions on linking with trial deposits.

  1. Enter the account and routing number for your other account, and then hit Save.
  2. We'll send a couple of small trial deposits, which will be deposited within 1-2 business days and automatically reversed. They'll appear on your other bank's transaction list, and they'll look like this: External accounts 1
  3. When the trial deposits appear, log onto your Simple account and confirm the external account by entering the amount of the two small deposits (in this case, $0.87 and $0.38). The order in which you enter them doesn't matter, but be careful to enter them correctly; entering trial deposits incorrectly may disable the feature for security reasons.
  4. That's it—you should be all set and ready to transfer funds!

  1. Assuming your other bank is on the list, you’ll see an explanation of the linking process. You’ll be logging into your other bank account through the Simple app.

  2. Enter your username and password for the other bank account. Depending on your bank, they might also ask for a security code or additional verification.

  3. Once you’ve logged in, we’ll confirm that this account can be linked to Simple. There’s a chance we’ll need extra verification from you; if so, we’ll send you a support message with details.

  4. That’s it! The accounts are linked, and you can start transferring funds.

Now that I've linked an account, how do I send a transfer?

p>If you'd like a step-by-step guide on how to send a transfer check it out here:

Deleting an External Account

  1. Tap the menu icon in the upper-left corner.
  2. From there, tap Move Money, and then choose Transfer to or from a bank.
  3. Tap the From field.
  4. Tap Manage external accounts.
  5. Tap the account you want to delete.
  6. Tap Edit, and Delete External Account.

Note: External accounts can't be deleted until 60 business days after the latest transfer.

What you need to know about External Accounts

You can use External Accounts to link another bank account to your Simple account and transfer funds back and forth. It's a convenient way to fund your Simple account, and we don't charge any fees for these transfers.

Before you get started, there are a few things to keep in mind:

  • You can link up to 5 external accounts with this feature.
  • The account you link has to be a personal account you own, and it has to support incoming and outgoing transfers (most bank accounts do, but some prepaid cards, investment accounts, and the like do not).
  • You can link your external account to Simple using Simple or using your external account if your bank offers that feature.
  • There are lots of fun extra banking details in the Electronic Fund Transfer Disclosure Statement, located within our Account Agreement.

Linking the accounts

Starting the linking process

  1. Sign in to your account.
  2. Select Move Money, and then choose Transfer to or from a bank.
    External accounts 1

  3. Click the Link an account plus sign (if you already have an account linked, it will be listed in the From field. Clicking the From field will enable you to add another account.)
  4. You'll see some information on how the account linking process works. Click "Continue" to continue linking.

Establishing a link

You'll be prompted to search for your other bank. If you can find it, go ahead and select your bank from the list. If you can't find it, you can attempt a link using your other bank's transfer services, or attempt a link using trial deposits. (When you link an account via trial deposits we send a couple of small transactions, which are deposited and reversed in your account within 1-2 business days. We then ask you to confirm the transaction amounts.) If you'd like to proceed with linking via trial deposit you should see Don't see your bank? and a Next button.

info iconIf your other bank isn't on the list, click here for instructions on linking with trial deposits.
  1. Enter the account and routing number for your other account, and then hit Save.
  2. We'll send a couple of small trial deposits, which will be deposited within 1-2 business days and automatically reversed. They'll appear on your other bank's transaction list, and they'll look like this: External accounts 1
  3. When the trial deposits appear, log onto your Simple account and confirm the external account by entering the amount of the two small deposits (in this case, $0.87 and $0.38). The order in which you enter them doesn't matter, but be careful to enter them correctly; entering trial deposits incorrectly may disable the feature for security reasons.
  4. That's it—you should be all set and ready to transfer funds!

  1. Assuming your other bank is on the list, you’ll see an explanation of the linking process. You’ll be logging into your other bank account through the Simple app.
  2. Enter your username and password for the other bank account. Depending on your bank, they might also ask for a security code or additional verification.
  3. Once you’ve logged in, we’ll confirm that this account can be linked to Simple. There’s a chance we’ll need extra verification from you; if so, we’ll send you a support message with details.
  4. That’s it! The accounts are linked, and you can start transferring funds.

Now that I've linked an account, how do I send a transfer?

p>If you'd like a step-by-step guide on how to send a transfer check it out here:

Deleting an External Account

  1. Select Move Money, and then choose Transfer to or from a bank.
  2. Click the From field.
  3. Click Manage external accounts.
  4. Click the account you want to delete.
  5. Click Edit, and Delete External Account.

Note: External accounts can't be deleted until 60 business days after the latest transfer.

External Accounts & Shared

If you have a Shared account, you can link external accounts and transfer funds —just like with your individual account. However, your partner won't be able to see or schedule transfers with any external accounts you've linked.

Did you find this article helpful? Yes / No
Aw man. Thanks for letting us know!