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Benefits Of Your New Simple Account

Every aspect of a Simple Checking Account is optimized for branchless, online banking, so you have access to each feature wherever you happen to be, whenever you happen to need them.

Without setting foot in a bank (or a bank stuffed into an ill-fitting mobile app), have constant access to:

  • Visa® Debit Card
  • Deposits are FDIC insured up to the legal limit
  • Built-in budgeting and saving tools
  • No Monthly Fees
  • Instant transfers to other Simple customers
  • Third-party payment services like Square, Venmo, and Paypal
  • Block your card online if it’s been lost or stolen

Open A Protected Goals Account to Earn A Competitive APY

A Protected Goals Account is designed to help you save in a separate high-yield checking account. 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

Depositing Money Into Your Simple Account

There are lots of ways to get money into Simple, and the best one depends a lot on the situation. Here's a quick overview of the options:

  • Transfer from another bank account
  • Direct deposit
  • Checks
  • Wire transfers
  • Third-party services
Get Started
Simple wall

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.

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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