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Online Checking Accounts

Smart banking whenever, wherever you need it

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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.

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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! 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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