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teh_chase's Profile Image

5 out of 5 marks

Reviewed by teh_chase

Feb 23rd 2013

Love the product, Love the Service more

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.

Is this review helpful? ▲ Yes 3 ▼ No 0

Other Simple Reviews

noahwa's Profile Image

Reviewed by noahwa

Jul 24th 2014

3 out of 5 marks

Don't expect to have easy access to your money

We wired proceeds from a house into a new Simple account. Here is my first 7 days trying to get my money to use.

Day 1: Wired funds do not show up in my account. According to Simple customer service, it has shown up in their "partner bank", but it will not show up in Simple's account until the NEXT DAY. Which kind of defeats the purpose of wired funds, doesn't it? We set up an external account transfer to another bank, which they limit to $5,000.00 for the entire first 30 days of your account, apparently. Simple says the transfer will show up on Monday. We also "mail a check" to ourselves for $5,0000.00 on 7/20. Simple says it will be delivered by 7/24, Thursday.

Day 2-3: weekend

Day 4: The transfer does not occur. Our fault, actually because we sent it to an account that wouldn't accept personal names. However, Simple does not notify us that this does not occur. We find out later after we have written checks which have cleared and are getting NSF charges. Customer service will not reimburse any NSF charges and is happy to close the account. They make zero attempt at trying to retain you or being accountable for your awful experience. They send me a message letting me know I can always "transfer all the money to another external account." But when I bring up the $5k limit, they say, "oh yeah. But you can mail yourself a check". Yes, I want to mail myself a check that will take over a week and then take a check to another bank who will promptly put a 10-day hold on it. Brilliant idea, Simple!!!

Day 5-6: Try and transfer $5k out but am prohibited as the max is $5k/month for ALL EXTERNAL ACCOUNTS. I am stuck either having to "mail myself a check" which takes 5 business days, or using the debit card for an ATM, which just arrived today finally.

Day 7: The check I set up on Friday 7/20 has not arrived it is now 7/24. Apparently this takes 6 business days to get your check. I have sent a message to them, but not holding my breath.

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JaniceInCO's Profile Image

Reviewed by JaniceInCO

Apr 4th 2014

1 out of 5 marks

Scam or bank only for excellent credit?

I received an invitation to apply and filled out all of the information including my SS#, bank account number and routing number to transfer my money.

After about 10 minutes I received an email saying my application was denied due to my credit score not meeting their standards. My credit score is currently 660.

Now they have my SS#, bank account # and routing information and an email with no reasonable explanation as to why I was denied. Now I am very concerned!

Is this review helpful? ▲ Yes 1 ▼ No 2

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