Using Your Simple Card

Using Your Simple Card

Your Simple Visa® Debit card

Your Simple card should be accepted anywhere Visa is, and you can run it as either credit or debit.

How do I use my card?

Debit or credit?

When given the option of debit or credit, you may choose either. Our cards can be run on both networks. The only difference is that 'debit' requires a PIN and it finalizes very quickly, and 'credit' doesn't require a PIN and may remain pending for several days.

What about chip readers?

If the merchant has a chip-enabled card reader, just insert the chip end of your card, leave it there while you complete the purchase (following the prompts on the screen) and remove it when the transaction is complete. You can choose either credit or debit. Chip card payments take a couple of seconds longer than a card swipe.

If the merchant doesn’t have a chip-enabled card reader yet, you can just swipe as you normally would.

Where can get cash?

You can use an ATM to get cash. Simple does not charge ATM fees, but if you use an out-of-network ATM, the ATM owner likely will. You can also generally get cash back with a PIN transaction.

Can I use my card internationally?

Yup! You can use your Simple card overseas for the most part. There are a few countries where your Simple card won’t work, so be sure to check our list of banned countries before traveling.

There are also a few automated terminals overseas that offer offline PIN transactions—a transaction where the terminal isn’t connected to the internet. Our cards won’t support these transactions, so it’s still a good idea to carry some cash when you’re traveling.

How can I get a new card?

We'll send you a replacement for an expired card automatically, but we can always help you out if you need a new card for some other reason.

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Important! This account is for your personal use only

An increasing number of customers are being targeted by fraud scams. Before you apply, review these guidelines to help prevent you from being involved in fraudulent activity.

Do not open an account on behalf of someone else
If anyone asks you to open a Simple Account to receive funds, it is an attempt at fraud. Common fraud attempts include requesting that you open an account to receive a gift or bonus offer, obtain a job or job training, or help someone else receive funds (such as unemployment benefits).

Do not share your login or account information with anyone
Neither Simple nor any other legitimate institution will ever ask for your account information. If any third party requests your Simple Account login information, it is an attempt at fraud. Sharing your account information with another person or allowing someone else to use your account to receive funds is a violation of the Simple Deposit Account Agreement terms and conditions and can expose you to fraud.

Actions we may take if fraud is suspected

We take fraud and security very seriously at Simple, and take rapid action in the instance of suspected fraud attempts.

We may freeze and close accounts
We may freeze and close accounts if fraudulent activity is suspected, including the following circumstances:

We will report fraud attempts
We are responsible for reporting fraud attempts to authorities, including attempted unemployment fraud. 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.

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