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Simple Shared Checking Accounts

A Simple Shared Account lets you share as much of your money as you each want.

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Share what makes sense

Shared Accounts let you share how you want, when you want, with whoever you want. Share your everyday finances, or save up for a big trip. It’s up to you!

Keep what makes sense

With a Shared Account and two Individual Accounts, "yours", "mine", and "ours" stays separate.

Dream bigger together

Set a shared Goal and tell us how much you want to save for it —we’ll make the saving automatic.

Save faster together

Earn up to 0.60% APY on money in a shared Savings Goal, so you’ll earn more, together.1

Getting started is easy

You don’t even have to be in the same place.

Open An Account

The finest print: The rates are effective as of October 15, 2020, are variable and subject to change after the account is opened. Accounts subject to approval. Balances in your Simple Account earn 0.00% Annual Percentage Yield. In order to open a Protected Goals Account, you must already have a Simple Account open. For the Protected Goals Account, see the rates below.

Daily Collected Balances

This means that we use the account’s
end of day balance to calculate the interest earned that day.
APY
$0.01 to $1,999.99 0.60%
$2,000 to $4,999.99 0.60%
$5,000 to $9,999.99 0.60%
$10,000 to $14,999.99 0.60%
$15,000 to $19,999.99 0.60%
$20,000 and above 0.60%

1 Check it out for yourself (based on the October 5, 2020 National Rate): https://www.fdic.gov/regulations/resources/rates/

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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