Bank, Budget & Earn Up To $500 On Top Of 2.02% APY

When You Open a New Individual and Shared Protected Goals Account with Qualifying Activities

Get Started

How to earn a $250 bonus for each new
Individual or Shared Protected Goals Account




Open Your Protected Goals Account

A Protected Goals Account is designed to help you save in a separate high-yield checking account, and is required to receive this bonus. After creating your Simple Account, you can open a Protected Goals Account, from the Goals tab.

  • Tap 'Start a Savings Goal'
  • Choose your funding method
  • Review your summary and when you're ready, tap "Create Savings Goal"
  • Once opened, you'll find your new Savings Goal listed under your Goals tab
Get Started

How to Fund Your Simple Account

  • Get started by adding Simple as an external account in your existing bank.
  • Depending on how your bank works, you may need to confirm several small deposits before sending funds to Simple.
  • Once your Simple account has been confirmed, you can transfer funds to your Simple checking account. That transfer generally takes 2-3 business days and you can check with your other bank to confirm their timelines.
  • Be sure to move those funds into your Protected Goals Account by 9/16/19 at 4:59 PM PT to earn 2.02% APY and maintain eligibility for the offer.
  • Simple also accepts wire transfers from your existing bank.
  • Check out this page to see all funding options
Get Started

Hi there, we're Simple

  • FDIC-insured
  • 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
Get Started

At Simple we always have your interest(s) in mind

We want you to feel confident with your money and be rewarded when you save. Whether you’re saving up for a house down payment, wedding, college fund, or just a rainy day, a Savings Goal - and great APY - makes it easier. Your savings lives close by, but in a separate account, so you won’t accidentally spend it.

Shared accounts are twice as nice

When you and your partner open a Shared Protected Goals Account, your financial superpowers combine and give you another chance to save towards your goals and earn up to 2.02% APY, together.

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



Get Started
Shared savings goal piggy bank

Like a bank, but Simple

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.

Offer Disclosure:

Qualifying customers will receive the bonus credit to their Protected Goals Account by 1/14/20 4:59 PM PT.

Accounts must be open and in good standing at the time of bonus credit.

Maximum of one (1) $250 bonus per eligible Protected Goals Account. Maximum of $500 in bonuses.

Simple employees are ineligible for this promotion.

‭BBVA USA may report the value of the bonus to the IRS as ‭required by law. Any client whose tax status would require BBVA USA to impose tax withholding of any ‭sort will not be eligible for this bonus.

Bonus may be modified or withdrawn without notice.

Protected Goals Accounts opened prior to 7/31/2019 5pm PT do not qualify.


The finest print: The rate is effective as of June 6, 2019, is variable, and subject to change after the account is opened. Accounts subject to approval. Balances between $0.01 - 1,999.99 in your Protected Goals Account will earn 2.02% Annual Percentage Yield. Balances $2,000 and above in your Protected Goals Account will earn 2.02% APY.

1 Check it out for yourself (based on the May 27, 2019 National Rate): https://www.fdic.gov/regulations/resources/rates/