I've been looking for a banking tool like this for ages, and I can't express how happy I am with the free structure (free) and transparency into how that works (the float as compared to Mint's ad supported model).
The iOS app is amazing, everything has been great so far. Had a few questions and called customer support today and spoke to Ryan in Portland and he was able to both help me with my questions and explain the whys and hows behind what is currently available and what is coming down the pipe. Never in my life have I had an API conversation with a financial services representative. I'm very impressed - no complaints here.
I have had Simple for about three months. Their banks solutions aren't impressive but they are simple and it works. Lately I have been declined at stores and online even when I have money in my account. I tried calling but they direct you to their online system which tells you to wait. It has been seven days and I can't use my card. I'm glad I didn't jump ship completely and after this debacle I will be closing my account. The fact that they are overwhelmed by this is appalling. I would rather pay fees then not have access. This problem should never be considered ok.
I was lured in by the flashy advertising. I'll admit it. But this is the crappiest bank ever. I would hesitate to even call it such, most banks wouldn't allow the kinds of issues that I and many other customers have experienced. Since their recent "upgrade", I have not had one successful transaction. This was three weeks ago. Nearly a month. I can't receive money, I can't transfer money out, my account tells me I have no money when I do... it's ridiculous. Every time I've tried to do something, anything, I've had to call customer service, which tells me EVERY TIME that they've "never seen this before", and will have to get their "engineers" working on it. Bull. I have to wait for a final direct deposit from my employer and then I'm out. Be warned.