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Online Checking Accounts

Smart banking whenever, wherever you need it

Our beautiful, intuitive iPhone and Android apps give you 24/7 access to:

  • A Simple Visa® Debit card to swipe anywhere Visa® is accepted
  • Mobile Check Deposit right from your phone
  • External account linking in just a few clicks
  • Instant funds transfer to other Simple customers
  • Third-party payment services like Square, Venmo, and Paypal
  • Debit card blocking if it’s been lost or stolen
  • The great Simple budgeting features like Expenses and Goals

Online checking accounts with real human support

Don’t worry: Just because we don’t have bank branches doesn’t mean we’re all robots. Our friendly crew of (human!) customer service agents is standing by, ready to help with any questions you might have. Talk to a real human every time you call. Try it now. They love saying hello.

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Direct deposit? Yes!

Give your paycheck the fast, friendly welcome it deserves.

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Connect your other accounts.

Transfer between Simple and other checking and savings accounts.

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Use it anywhere that accepts Visa® debit cards.

Your card will be admired and happily recognized nearly everywhere.

Transfer funds instantly with friends on Simple

It’s faster than the old-fashioned way of passing around a bunch of debit cards. Transfer money instantly for dinner or square dancing lessons. Simple also plays nicely with Paypal, Square Cash, and Venmo.

Checks...They’re still a thing

We know there’s a time and a place for good ‘ole paper checks. And when those moments arise, we’ve got you covered.

Budgeting is built in

Your Simple account makes it easy to stick to a monthly budget, save for an emergency, put money toward your goals—basically become a money-management rockstar. All the tools you need are right in your account.

Explore budgeting tools

Go beyond basic checking

Interested in earning interest? Once you set up your free online checking account, you can start putting your money to work with a High-Yield Protected Goals Account.

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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